Add a co-signer to qualify

    Co-signer / Guarantor Calculator

    Estimate whether adding a co-signer's income and credit improves your combined GDS/TDS ratios enough to get approved.

    Applicants

    Primary applicant

    $0$65,000

    Co-signer / guarantor

    $0$75,000
    $0$500,000
    Likely eligible
    Combined income $140,000/yr · lowest credit score ~685

    Debt ratios

    Gross Debt Service (GDS)27.9%
    Total Debt Service (TDS)38.1%
    CMHC guidelines: GDS ≤ 39%, TDS ≤ 44%. Some lenders are stricter.
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