Debt to Income (DTI) Ratio:
Current Monthly Income Before Tax
This is the your pre-text combined income. Consider all income types, such as PAYG, self-employed, and other income.
Current Monthly Debt
This is the aggregated sum of all debt, and will include existing mortgages, credit cards, personal loans, portfolio loans, text debt, afterpay and similar, leases and higher purcahses, HECS and HELP debt, trade support loans, trust liabilities, and other outgoing obligations.
