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Mortgage Architects Inc. · Brokerage Licence #12728

Hanif Hosseini · Mortgage Agent Level 1

HH Mortgages

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Category: Qualification

GDS and TDS Ratios in Canada: How Lenders Measure Mortgage Affordability

Learn how GDS and TDS ratios affect mortgage qualification in Canada, what costs count, and why other debts can reduce your buying budget.

Hanif Hosseini · Mortgage Agent Level 1 · Licence #M26001653
Licensed under Mortgage Architects Inc. · Brokerage Licence #12728
Based in Oakville, serving the Greater Toronto Area and Hamilton.

© 2026 HH Mortgages. Information is general in nature. Mortgage approval and lender availability depend on individual circumstances and lending criteria.