• The Total Debt Service Ratio (TDS) is a credit measure used by mortgage lenders to assess a borrower’s ability to take out a loan.
  • The total debt service ratio (TDS), unlike the gross debt service ratio (GDS), includes both residential and non-residential debts and liabilities.
  • A TDS ratio below 43% is generally required to qualify for a mortgage loan; many lenders are stricter, with benchmark TDS ratios approaching 36%.