Calculate your DTI ratio and see how lenders view your finances.
Below 36% — Good. Most lenders are happy to lend at this level.
36–49% — Fair. Some lenders will still approve you but at higher rates.
50%+ — High risk. Most lenders will decline a mortgage application.
The 28/36 rule says housing costs should be under 28% of gross income, and total debt under 36%. UK lenders focus more on affordability stress testing at higher interest rates.