Debt-to-income ratio (DTI)
noundebt-to-in·come ra·ti·opronounced DET-too-IN-kum RAY-shee-oh
Last reviewed 16 April 2026
What does the noun Debt-to-income ratio (DTI) mean?
Your total debt divided by your gross annual income. A DTI of 6 means you owe six times what you earn in a year. APRA considers a DTI of 6 or above to be high-risk.
How the noun Debt-to-income ratio (DTI) is used
Before applying for a home loan, calculate your DTI by dividing all your debts by your annual income to see if you fall under APRA's high-risk threshold of 6.
Synonyms
DTI
Related words
Cite this entry
MLA citation: "Debt-to-income ratio (DTI)." How to Property, 16 Apr. 2026, https://howtoproperty.com.au/definitions/debt-to-income-ratio-dti. Accessed 29 May 2026.
Chicago citation: How to Property. "Debt-to-income ratio (DTI)." Last modified April 16, 2026. https://howtoproperty.com.au/definitions/debt-to-income-ratio-dti.
APA citation: How to Property. (2026, April 16). Debt-to-income ratio (DTI). https://howtoproperty.com.au/definitions/debt-to-income-ratio-dti