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Commercial Mortgage Calculator
Are you looking to purchase a commercial property or re-mortgage a property that you already own?
How many properties are being used as security?
Please select how many properties you would like to use as security for the re-mortgage.
Property 1: Estimated Market Value
Please enter the estimated value of property 1
Property 2: Value
Property value 2
Property 3: Value
Property value 3
Property 4: Value
Property value 4
Property 5: Value
Property value 5
Property 6: Value
Property value 6
Mortgage Amount Required
Please enter the mortgage amount that you wish to borrow.
Annual Interest Rate (% pa)
Please enter the annual interest rate to be charged on the loan.
Lender Arrangement Fee (added to loan facility)
Please enter any arrangement fee that is to be added to the loan. This is calculated as a percentage of the Mortgage Amount Required.
Mortgage Term (years)
Please enter the term of the loan required in years.
Capital Repayment Mortgage

Monthly Repayment

Interest Only Mortgage

Interest Only Payment


Arrangement Fee


Total Mortgage Amount


Loan to Value (LTV)


Total Amount Repayable
(if loan runs full term)


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Emma Ross
Emma Ross
Commercial Mortgages & Business Loans
Neil Andrews
Neil Andrews
Commercial Team Leader
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Commercial Mortgage Calculator

To help you work out your budgets and cash flow, or to simply compare available commercial mortgage deals, to see what difference a commercial mortgage may make to your business, we have created this simple commercial mortgage calculator.

Our commercial mortgage calculator will provide figures for both interest only and repayment mortgages.

Commercial Mortgages Criteria

  • Loan to Value up to 75%
  • Loans £100,000 to £250 million (Larger loans can be considered)
  • Loan terms 3 - 25 years
  • Capital repayment holidays available
  • Interest-only periods available
  • Interest rates from 2% (Over Bank of England Base Rate)
  • Interest Rate Hedging Products available (Including interest caps and swaps for periods of up to 10 years)
  • Loans available for overseas clients (North America, Europe, Australasia, Japan, Hong Kong, Singapore)

Commercial Mortgage Interest Rates and Costs

As independent commercial mortgage brokers we search the whole market to find our clients the best possible deals for the finance that they require.

There are literally hundreds of different commercial mortgage plans available, allowing us to:

  • Provide a wide range of options
  • Provide facilities for a wide range of scenarios

Commercial mortgage rates start from just 2.75% pa - (2% over Bank of England Base Rate)

Commercial Mortgage Interest Rates
Interest Rate For Loans Max LTV Lender Facility Fee Loan Type
2.75% £2 million + 75% 1.5% Repayment Only
2.85% £1 million + 70% 1.5% Repayment Only
3.0% £500,000 + 75% 1.5% Repayment Only
3.5% £250,000 + 75% 1.5% Repayment Only
4.39% (3 Year Fixed) £250,000 + 75% 1.5% Repayment or Interest Only
4.49% (5 Year Fixed) £250,000 + 75% 1.5% Repayment or Interest Only
4.29% (Max 10 Years) £250,000 + 75% 1.5% Interest Only


Commercial mortgage interest rates range from 2% over base rate upwards

Interest rates for commercial mortgages don’t tend to be set based on Loan to Value, as they often are with many residential mortgages.

Commercial mortgage interest rates and fees will be based on a consideration of the following factors:

  1. How long the business has been trading - Businesses that have been established longer will be considered less risk. Unless of course it is a business that the lender feels may have a limited future. For example a video library or cigarette vending machine manufacturer (ban on smoking in public places).

    New businesses tend to be considered higher risk because when compared to established businesses a higher proportion of new businesses fail.

  2. How successful a business has been in making a profit - Lenders will look at previous accounts and projections to see if the business is making a steady profit. They like to see growth and a steady profit each year.

    A business that has decreasing profits or is making a loss will obviously be course for concern.
  3. Debt level - Commercial mortgage lenders will look to see the level of debts that a business has.
  4. Credit history of the business - They will look into the credit history of the business, and also the credit history of the company directors and business owners.
  5. Personal Guarantees (PGs) - Whether or not a personal guarantee is available may well affect the interest rate and terms of the loan. If the owners or directors are unwilling to offer a personal guarantee, even a limited one, this can be looked upon unfavourably by a lender.
  6. Mortgage amount required, size of the loan - Larger commercial mortgages command lower interest rates!

    The amount of money being borrowed can affect the interest rate on a commercial mortgage. The larger the loan then generally this may mean a lower interest rate. Small commercial mortgages will usually have a higher interest rate. This is because of the costs of running the mortgage account, a higher interest rate maybe required on a small facility in order to cover the costs involved and for the lender to make a profit.
  7. The Loan to Value - For purchases a deposit of between 25% and 40% will be required. If additional security is available then then this can possibly be used.
  8. Who will be using the security property - The lenders will consider who will be using the commercial property. The property owner running a profitable business from the security property is usually most favourable. The lenders also like investment properties where there is a long lease in place with a good tenant.

Unsecured Business Loans - Provides a cash injection for your business

  • Loans from £25,000 to £1 million
  • Can be used for any business purpose
  • All types of industries considered
  • New start companies also considered

How to Use our Commercial Mortgage Calculator

Step 1: First please select ‘Purchase’ if you are looking for a commercial mortgage to purchase a commercial property, or ‘Remortgage’ if you are looking to refinance a commercial property (or properties) that you already own.
Step 2: If you are purchasing a commercial property please enter the purchase price of the property.


If you are planning to remortgage, please enter the number of properties (1 to 6) that you wish to use as security.

Then please enter the estimated value of each of the properties.
Step 3: Please enter the mortgage amount that you require.
Step 4: Please enter the interest rate. Our commercial mortgage calculator uses % pa (percent per annum / year) that will be charged on the mortgage facility
Step 5: Most commercial mortgage facilities charge a lender arrangement fee (also known as a facility fee, acceptance fee or booking fee), which is usually a percentage of the mortgage amount being borrowed and added to the facility. If applicable, please enter the arrangement fee (as a percentage), this will then be added to the total mortgage facility.

We have set the default rate at 1.5% because this is the most common facility fee for commercial mortgages arranged by ourselves. Please set to 0% for facilities that have no arrangement fees.
Step 6: In years, please enter the mortgage term that you require. By default this is set to 20 years which we find is the most common option.

For interest only mortgages the maximum term tends to be 10 years.
Final step: Click the ‘Calculate’ button and your results will be displayed instantly.

Please use the calculator as many times as required in order to test different options.

Instant Results

Monthly Repayment: This figure shows the amount you would need to pay on a monthly basis if you had a capital repayment mortgage.
Interest-Only Repayment: This figure shows how much you would need to pay on a monthly basis if you had an interest-only mortgage or loan. This figure will stay the same for any changes to the mortgage term provided the amount borrowed and interest rate remain the same. It will however change if you enter a different mortgage amount or interest rate.
Arrangement Fee: This figure is calculated as a percentage of the mortgage amount required.
Total Mortgage Amount: This figure illustrates the mortgage amount required plus any arrangement fee.
Total Amount Repayable: This figure illustrates the total amount you will actually repay if the commercial mortgage runs the full term.

This assumes that the interest rate remains the same throughout the entire mortgage term and that no additional capital repayments are made, and all monthly payments are paid on time. A shorter mortgage term will reduce the total amount repaid, and a longer term will increase the total amount repaid.

Our calculator has been created to provide you with an approximate guide to the costs of a commercial mortgage. We work with a lot of lenders who offer different rates, calculate interest in different ways, and have different fee structures.

However, as independent brokers we find our customers the facilities that offer them the best possible deal.

Please use our commercial mortgage calculator as often as you like to help you decide what commercial mortgage option would be the best for your business.

Frequently Asked Questions

How can I get a commercial mortgage?

You can have a free, no obligation discussion with one of our advisors who will be able to tell you what your options are. If you are interested, we can then provide you with written terms within a couple of hours.

How do I work out what I will have to pay monthly for a commercial mortgage?

Our commercial mortgage calculator is simple to use and provides figures for repayment and interest only options, together with loan to value and fee options.

How much deposit do I need?

Generally, a minimum of 25% deposit is required although some lenders require more. The more money you can invest yourself the better, as borrowing with a lower Loan To Value (LTV) means access to improved interest rates.

Can I get a commercial mortgage to buy a property in order to start my own business?

This is possible with a higher deposit, usually of around 50% of the purchase price. Since you don’t have any trading history to demonstrate your ability to repay the mortgage, the higher deposit is needed to reduce the risk associated with lending of this nature.

Do you provide interest only commercial mortgages?

Yes, we can arrange interest only commercial mortgages for terms up to 10 years.

Can I still get a Commercial Mortgage if my bank has already declined my application?

We work with specialist lenders who have greater flexibility than the High Street Banks, so we may still be able to assist you. Give us a call for a free, no obligation chat to find out whether we can help you.