Commercial mortgage repayment calculator
Estimate what a commercial mortgage could cost each month, and the total over the term. Adjust the amount, term and indicative rate to see how repayments change.
£295.45
Total repayable
£35,454
Total interest
£10,454
£
mo
% APR
Indicative illustration, not a quote. Your actual rate and repayments depend on the lender and your circumstances.
How a commercial mortgage repayment is calculated
This calculator uses the standard amortising repayment formula, the same capital-and-interest method most UK lenders use. Each month you pay the interest due on the outstanding balance plus a slice of the capital, so the balance falls to zero by the end of the term. Early payments are mostly interest; later ones are mostly capital.
For example, a commercial mortgage of £300,000 over 20 years at an indicative 7.4% works out at about £2,398.47 a month, roughly £575,633 repaid in total, of which £275,633 is interest. Change the amount, term or rate above to see how the numbers move.
What affects your rate
Pricing is driven by loan-to-value, the property type and your business's trading strength. A larger deposit (lower LTV) usually unlocks a lower rate. The figures here are indicative illustrations, not quotes or offers. Your real terms depend on the lender and your circumstances.
Frequently asked questions
Is this commercial mortgage calculator accurate?
It uses the standard amortising formula lenders use for capital-and-interest repayments, so the shape is right. It's an indicative illustration, not a quote. Your actual rate, fees and terms come from the lender once you apply.
What interest rate should I use?
We pre-fill an indicative rate, but you can change it. Real rates depend on loan-to-value, the property and your trading history, so treat the default as a starting point.
Does it include fees like arrangement or valuation costs?
No, it shows capital-and-interest repayments only. Commercial mortgages usually carry arrangement, valuation and legal fees on top, which vary by lender.
How big a deposit do I need for a commercial mortgage?
Typically 25–40% of the property value. A larger deposit lowers the loan-to-value, which usually improves the rate you're offered.
See what you qualify for
Start your application now. It's free, takes minutes, and there's no credit check to view your options.