How much home can you reasonably afford? Lenders typical look at your TDS (Total Debt Service) ratio and GDS (Gross Debt Service) ratio as part of their lending guidelines, but there is so much more to consider than that.  As a starter, you can use our Maximum Mortgage Calculator to determine an approximate amount, then, let us help you to pinpoint a more specific amount, along with a rate hold, as part of a mortgage pre-approval.  As mortgage professionals, it is not just about the rate and how large of a mortgage you can get, it is also about your lifestyle, your goals and other important life considerations that will be discussed and factored in to get you the mortgage that fits your needs.