What is the credit commitments calculator?

The credit commitments calculator lets you enter your credit cards, loans and other monthly payments, and shows your total gross monthly commitments and debt-to-income ratios for each applicant and combined.

Why is debt-to-income (DTI) important for a mortgage?

Lenders assess how much of your income is committed to borrowing already before approving a mortgage. A higher DTI means less flexibility and can affect the borrowing amount or interest rate you may be offered.

What inputs do I need for the credit commitments calculator?

You will need to enter each debt’s description, balance, monthly payment and whether it’s being included in a mortgage application. You also need the gross monthly income for each applicant to calculate the DTI ratio.

Can this tool guarantee my mortgage will be approved?

No. The tool provides an indicative view of your credit commitments and how they affect DTI, but actual mortgage eligibility depends on full lender assessment, credit history, income verification and other criteria.

Is the result downloadable or shareable with a broker?

Yes. The calculator offers options to download your debt table and results as CSV or PDF so you can share them with your mortgage broker or keep your own records.

Credit Commitments Tool

Log credit cards, loans and other commitments and see debt to income ratios by applicant.

Total balance (£) 0

Total gross monthly (£) 0

Applicant 1 DTI -

Applicant 2 DTI -

Combined DTI -

Applicant incomes (gross monthly)

Applicant 1 name Applicant 1 gross monthly income (£)

Applicant 2 name Applicant 2 gross monthly income (£)

Name	Type	Lender	Balance (£)	Monthly (£)	Notes	Remove

Summary by applicant and credit type

Applicant	Credit type	Total balance (£)	Total monthly (£)

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