Commercial Mortgage Calculator
Free Commercial Mortgage Calculator
Use our free commercial mortgage calculator to find out how much you can expect to pay
Over 30,000 loan-seekers helped
FCA Authorised – Fully regulated
Receive your funds in as little as 5 days
Market-leading interest rates
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Author: Gary Hemming CeMAP CeFA CeFA CSP
20+ years experience in commercial mortgages
Use our free commercial mortgage calculator to find out the costs of taking out a new commercial mortgage.
Our calculator allows you to work out your mortgage repayment on both an interest only and capital repayment basis.
Example interest rates
The calculator will offer you accurate figures, based on the information input. If the figures input are incorrect, then the figures will be of little help to you.
Of course, it’s simple to input the mortgage amount and your chosen term, but the interest rate can be trickier.
The rate and lender fee offered will vary depending on whether your property will be owner-occupied (often called business mortgages), or used as a commercial investment property.
Below are a number of products that can be used as example figures for the purpose of the business mortgage calculator.
High street banks –
Rate – 2.6%
LTV – 80%
Lender arrangement fee – 1.5%
Repayment only
Challenger banks –
Rate – 4.35%
LTV – 70%
Lender arrangement fee – 1.5%
Interest only or repayment
Specialist commercial lenders –
Rate – 6.99%
LTV – 65%
Lender arrangement fee – 2.5%
Interest only or repayment
High street banks –
Rate – 3%
LTV – 60%
Lender arrangement fee – 1.5%
Repayment only
Challenger banks –
Rate – 4.35%
LTV – 75%
Lender arrangement fee – 1.5%
Interest only or repayment
Specialist commercial lenders –
Rate – 5.99%
LTV – 65%
Lender arrangement fee – 2.5%
Interest only or repayment
How much can I borrow?
It’s usually possible to borrow up to 80% of your property value, meaning the remaining 20% must be made up of the applicants’ equity. Commercial investment applications can usually be arranged up to a maximum of 75% LTV.
In addition to the deposit, most applications come with other costs, such as the arrangement fee, surveyors’ fees and legal costs.
Of course, stamp duty must also be considered. Commercial stamp duty rates differ from residential rates, so care must be taken to ensure you understand the charges for your property.
