GDS and TDS ratios
Gross debt service (GDS) looks at housing costs versus gross income. Total debt service (TDS) adds other debts. FCAC consumer materials discuss keeping GDS around 39% or less and TDS around 44% or less as educational benchmarks; CMHC documents similar insured-mortgage ratio concepts for professionals.
Sources: FCAC, CMHC GDS/TDS.
Educational only — not advice or an offer of credit.