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.
£
months
% APR
Est. monthly payment
£199.87
Total repayable
£47,969
Total interest
£22,969
Indicative illustration only — not a quote. Your actual rate and repayments depend on the lender and your circumstances.
Check your real optionsHow 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.