Commercial mortgage calculator

This is a UK commercial mortgage calculator. It estimates monthly repayments, the loan amount implied by property value and deposit, loan-to-value (LTV), interest-rate assumptions, term and selected fees — including whether an arrangement fee is paid upfront or added to the loan.

Use it to calculate commercial property finance costs before you request a quote: repayment versus interest-only, owner-occupier versus investment use, and the day-one cash needed for deposit, valuation and legal costs. Stamp duty is not included. Results are planning figures, not a valuation, lender offer or credit decision.

If you need the product overview rather than the numbers, see commercial property finance. For how a purchase is typically funded, read how to finance a commercial property purchase. For deposit and LTV worked examples, see how much deposit you need for a commercial mortgage.

Owner-occupier commercial mortgages are assessed on your business trading performance and the property's suitability for your operations. Investment property is assessed primarily on rental income — lenders apply a stressed interest rate and minimum interest cover ratio. Toggle investment mode below to see the rent required under typical ICR assumptions. This is illustrative; each lender sets its own stress rate, ICR and tenant criteria.

On a £500,000 property with 25% deposit, 7% rate and 20-year repayment term, the loan is £375,000 and monthly payment about £2,907. Adding a 1.5% arrangement fee paid upfront plus £3,500 valuation and legal costs, day-one cash is roughly £128,500 plus stamp duty (not calculated here).

At 8% rate — one point higher — the monthly payment rises to about £3,100. Edit inputs to match your scenario, then request an exact figure from Tera's lender panel.