Most people simply assume that the more income they make, the higher mortgage affordability they have when they are applying for a mortgage. But to a lender, affordability translates into two things: Gross Debt Service Ratio (GDS) and Total Debt Service Ratio (TDS). Not familiar with these terms? Watch today’s episode of Hot Property Online to learn what GDS and TDS mean and to find out the facts about what lenders are looking for when it comes to your mortgage affordability. Enjoy the show!