Commercial mortgage calculator
Put in the loan, the rate and the term to see the monthly payment on capital repayment or interest-only. No sign-up, nothing stored.
Monthly repayments
Repayment or interest-only, at any rate and term. Rates are typically 6% to 10% in 2026.
- Per year
- £0
- Total interest over the term
- £0
- Total repaid (incl. fee)
- £0
- Balance owed at the end
- £0
A note on the numbers. Rates, loan-to-value limits, fees and criteria are typical figures at the time of writing (2026). Commercial lending is priced case by case, so your own terms depend on the property, the business, the tenant and you. This is information, not advice, and not an offer of finance.
How to use the calculator
Enter the amount you want to borrow, the interest rate and the term in years, then choose capital repayment or interest-only. There is also a box for the lender's arrangement fee, which many borrowers add to the loan rather than paying up front. The monthly payment, total interest and total repaid update as you type.
What interest rate to put in
Commercial mortgage rates are priced case by case rather than read off a published table. In 2026 most fall somewhere between about 6% and 10% a year. Where you land depends on the type of property, how much you borrow against its value, the strength of the business or the rent, and your track record. A trading business buying its own premises with a good deposit and solid accounts sits towards the lower end; a first-time investor buying an unusual building sits higher.
If you are not sure, run the numbers at 7.5% and again at 9%. The gap between the two shows how much the rate matters on your loan. More on this in how commercial mortgage rates are set.
Capital repayment or interest-only?
On capital repayment, each payment covers the interest and pays off part of the loan, so the debt is cleared by the end of the term. On interest-only you pay just the interest, and the whole loan is still owed at the end, to be repaid from a sale, a refinance or other money. Interest-only costs less each month, but lenders want a believable plan for repaying the balance, and many only allow it on investment property or on part of the loan.
How long the term can be
Commercial mortgage terms usually run from about 3 to 25 years. A longer term lowers the monthly payment but means paying interest for longer. Try the same loan over 15 and 25 years to see the trade-off.
What the figure leaves out
The result is the loan payment only. It does not include the deposit, stamp duty, valuation and legal fees, or any broker fee, and if your rate is variable the payment will move when rates change. To see the cash needed on day one, use the deposit, stamp duty and fees calculator. To check whether a lender is likely to lend the amount you have entered, use the borrowing calculator.
These figures are an illustration, not a quote or an offer of finance. What a lender actually offers depends on its assessment of the property, the business and you.
Common questions
How is the monthly payment on a commercial mortgage worked out?
The same way as on a house: the payment is set so that, at the given interest rate, the loan is cleared over the term (or, on interest-only, so that just the interest is paid). The calculator uses that standard formula.
Are commercial mortgage rates fixed or variable?
Both are available. Variable rates are usually a margin over the Bank of England base rate or a market rate, and fixes of two to five years are common. The rate you enter here is held for the whole term, so treat the result as a guide.
Can I pay a commercial mortgage off early?
Usually, but many deals carry early repayment charges, especially during a fixed-rate period. Check the charges before you commit if you think you may sell or refinance early.
Is this a quote?
No. It is an illustration based on the figures you enter. An adviser can tell you what lenders are likely to offer on your property and business.
Ready to talk to someone who can actually arrange it?
Tell us about the property and the business, and a commercial finance adviser will come back with which lenders fit, what rate to expect and what they'll want to see. No fee for the conversation, no obligation.