Planning to invest in commercial property or refinance an existing loan? Our Commercial Loan Calculator helps you estimate monthly repayments and total borrowing costs in just a few clicks. Whether you’re a landlord, business owner, or property developer, understanding your commercial mortgage options is essential for smart financial planning.
This easy-to-use tool gives you a clearer view of your repayment schedule based on the loan amount, term, and interest rate. It’s ideal for comparing offers, managing cash flow, or preparing for a discussion with a commercial mortgage adviser.
Explore our commercial mortgage page, and when you’re ready, we’re here to help you secure the right deal.
How to Use Our Commercial Loan Calculator
To estimate your monthly payments:
Step 1: Enter the Loan Amount
Choose how much you plan to borrow for your commercial property or business finance needs.
Step 2: Select Your Loan Term
This is the number of years over which you’ll repay the loan. A longer term usually means lower monthly payments but more total interest.
Step 3: Input an Interest Rate
Use a realistic estimated rate. This can vary based on your deposit, loan purpose, and credit profile. If unsure, you can try different values for comparison.
The calculator will instantly show your estimated monthly repayments and the total amount repayable.
Please note: This is a guide only. For accurate figures and lender options, speak to a qualified mortgage adviser.
What Is a Commercial Loan?
A commercial loan (or commercial mortgage) is a type of secured finance used to purchase, refinance, or release equity from a business-related property. It may apply to:
- Offices, shops, or warehouses
- Buy-to-let portfolios held in a company name
- Semi-commercial or mixed-use properties
- Development or bridging finance for short-term needs
You can explore full product options on our Commercial Mortgages page.
These loans are typically assessed on the property’s income potential, your business performance, and deposit size. As a rule, lenders may offer up to 75% loan-to-value (LTV), with rates influenced by risk, property type, and market conditions.
Why Use a Commercial Loan Calculator?
This tool provides early insights before committing to a mortgage application. With our calculator, you can:
- Plan your repayments and budgeting
- Understand the cost impact of interest rates
- Compare different term lengths
- Test your affordability across various scenarios
It’s useful when preparing to apply for Buy-to-Let mortgages or remortgaging a commercial property.
If you’re looking to bridge a funding gap while awaiting a sale or planning development, see our Bridging Loans section.
Expert Support When You’re Ready
While our Commercial Loan Calculator is a helpful planning tool, real-world lending decisions require expert input. Interest rates, lender fees, and criteria vary widely.
Our team can:
- Compare commercial lenders and funding options
- Tailor loan structures to your business cash flow
- Identify the most competitive rates available to you
- Help with packaging applications to meet lender expectations
If you’re seeking advice tailored to your commercial property goals, “Find Mortgage Advisers” with experience in this sector. For advisers supporting business clients, you can “Join our Mortgage network” to access commercial finance tools and exclusive support.
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