PLEASE NOTE: Many lenders will use the LOWER of the 2 scenarios. However, some lenders will loan based on the higher scenario. Also please note that some lenders use other ratios. (You can input different percentages if you like) Please realize that the above data is for information purposes only and the accuracy of the figures are not guaranteed. Each transaction will vary depending upon your personal circumstances. You should always obtain personal advice from qualified professionals before entering into a transaction.