To calculate your debt-to-income (DTI) ratio in the UK, follow these steps: Determine your total monthly debt payments. This includes payments for items such as credit cards, personal loans, car loans, student loans, and any other outstanding debt. Calculate your gross monthly income. This is your total income before any taxes or other deductions are taken out. This includes income from all sources, such as wages, salary, tips, bonuses, and other forms of income. Divide your total monthly debt payments by your gross monthly income. Multiply the result by 100 to get your DTI ratio as a percentage. For example, let’s say you have total monthly debt payments of £800 and a gross monthly income of £2,500. To calculate your DTI ratio, you would divide £800 by £2,500, which equals 0.32. Multiplying by 100 gives you a DTI ratio of 32%. When calculating your DTI, it’s critical to factor in only the minimum amount of required monthly payments. If you decide to make more than the minimum monthly payment, then your DTI rate could be higher than anticipated. As well, keep in mind that various mortgage providers may have distinct debt-to-income requirements dependent on both the mortgage type and borrower credit worthiness.