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Property cost, deposit and repayments

Commercial mortgage calculator

Estimate the loan and monthly payment for buying business premises or a commercial investment. Set a property price, deposit and term, then compare repayment and interest-only structures.

Start calculating ↓

Free to use · No credit search · GBP estimates

Commercial warehouse and office building with a roller-shutter entrance
A commercial mortgage can fund business premises or investment property.

Your assumptions

Calculate the cost

Results update as you edit. Starting figures are examples, not lender offers.

Calculated against the purchase price.
Nominal annual rate; not APR.
12 months = 1 year.
Paid separately, not financed or deducted from the advance.

Your illustrative estimate

Monthly repayment

£2,713.55

240 monthly payments. Final instalment may differ.

Loan amount
£350,000.00
Total interest
£301,251.11
Upfront fees
£0.00
Total paid, including fees
£651,251.11
Final monthly payment
£2,713.55
Deposit
£150,000.00
Purchase-price LTV
70.00%
Deposit + upfront fees
£150,000.00

No application or credit search. No personal details needed. Estimates assume on-time payments and an unchanged rate; lender rounding, daily interest and contractual fees can differ.

Compare loan terms

Same amount and rate. Entered fees stay the same.

Illustrative comparison of repayment costs
ScenarioMonthly paymentInterestTotal incl. feesEnd balance
228 months£2,779.67£283,765.52£633,765.52£0.00
240 months£2,713.55£301,251.11£651,251.11£0.00
252 months£2,654.65£318,972.05£668,972.05£0.00
View the full monthly repayment schedule

Upfront fees are separate from the monthly rows. Any final capital or accrued-interest balance is payable in addition to the last monthly payment.

Monthly opening balance, payment, interest, capital repaid and closing balance in GBP
MonthOpening balancePaymentInterestCapital repaidClosing balance
1£350,000.00£2,713.55£2,041.67£671.88£349,328.12
2£349,328.12£2,713.55£2,037.75£675.80£348,652.32
3£348,652.32£2,713.55£2,033.81£679.74£347,972.58
4£347,972.58£2,713.55£2,029.84£683.71£347,288.87
5£347,288.87£2,713.55£2,025.85£687.69£346,601.18
6£346,601.18£2,713.55£2,021.84£691.71£345,909.47
7£345,909.47£2,713.55£2,017.81£695.74£345,213.73
8£345,213.73£2,713.55£2,013.75£699.80£344,513.93
9£344,513.93£2,713.55£2,009.66£703.88£343,810.05
10£343,810.05£2,713.55£2,005.56£707.99£343,102.06
11£343,102.06£2,713.55£2,001.43£712.12£342,389.95
12£342,389.95£2,713.55£1,997.27£716.27£341,673.67
13£341,673.67£2,713.55£1,993.10£720.45£340,953.22
14£340,953.22£2,713.55£1,988.89£724.65£340,228.57
15£340,228.57£2,713.55£1,984.67£728.88£339,499.69
16£339,499.69£2,713.55£1,980.41£733.13£338,766.56
17£338,766.56£2,713.55£1,976.14£737.41£338,029.15
18£338,029.15£2,713.55£1,971.84£741.71£337,287.44
19£337,287.44£2,713.55£1,967.51£746.04£336,541.41
20£336,541.41£2,713.55£1,963.16£750.39£335,791.02
21£335,791.02£2,713.55£1,958.78£754.77£335,036.25
22£335,036.25£2,713.55£1,954.38£759.17£334,277.09
23£334,277.09£2,713.55£1,949.95£763.60£333,513.49
24£333,513.49£2,713.55£1,945.50£768.05£332,745.44
25£332,745.44£2,713.55£1,941.02£772.53£331,972.91
26£331,972.91£2,713.55£1,936.51£777.04£331,195.87
27£331,195.87£2,713.55£1,931.98£781.57£330,414.30
28£330,414.30£2,713.55£1,927.42£786.13£329,628.17
29£329,628.17£2,713.55£1,922.83£790.72£328,837.45
30£328,837.45£2,713.55£1,918.22£795.33£328,042.13
31£328,042.13£2,713.55£1,913.58£799.97£327,242.16
32£327,242.16£2,713.55£1,908.91£804.63£326,437.53
33£326,437.53£2,713.55£1,904.22£809.33£325,628.20
34£325,628.20£2,713.55£1,899.50£814.05£324,814.15
35£324,814.15£2,713.55£1,894.75£818.80£323,995.35
36£323,995.35£2,713.55£1,889.97£823.57£323,171.78
37£323,171.78£2,713.55£1,885.17£828.38£322,343.40
38£322,343.40£2,713.55£1,880.34£833.21£321,510.19
39£321,510.19£2,713.55£1,875.48£838.07£320,672.12
40£320,672.12£2,713.55£1,870.59£842.96£319,829.16
41£319,829.16£2,713.55£1,865.67£847.88£318,981.29
42£318,981.29£2,713.55£1,860.72£852.82£318,128.46
43£318,128.46£2,713.55£1,855.75£857.80£317,270.67
44£317,270.67£2,713.55£1,850.75£862.80£316,407.87
45£316,407.87£2,713.55£1,845.71£867.83£315,540.03
46£315,540.03£2,713.55£1,840.65£872.90£314,667.14
47£314,667.14£2,713.55£1,835.56£877.99£313,789.15
48£313,789.15£2,713.55£1,830.44£883.11£312,906.04
49£312,906.04£2,713.55£1,825.29£888.26£312,017.78
50£312,017.78£2,713.55£1,820.10£893.44£311,124.34
51£311,124.34£2,713.55£1,814.89£898.65£310,225.68
52£310,225.68£2,713.55£1,809.65£903.90£309,321.79
53£309,321.79£2,713.55£1,804.38£909.17£308,412.62
54£308,412.62£2,713.55£1,799.07£914.47£307,498.14
55£307,498.14£2,713.55£1,793.74£919.81£306,578.34
56£306,578.34£2,713.55£1,788.37£925.17£305,653.16
57£305,653.16£2,713.55£1,782.98£930.57£304,722.59
58£304,722.59£2,713.55£1,777.55£936.00£303,786.60
59£303,786.60£2,713.55£1,772.09£941.46£302,845.14
60£302,845.14£2,713.55£1,766.60£946.95£301,898.19
61£301,898.19£2,713.55£1,761.07£952.47£300,945.72
62£300,945.72£2,713.55£1,755.52£958.03£299,987.69
63£299,987.69£2,713.55£1,749.93£963.62£299,024.07
64£299,024.07£2,713.55£1,744.31£969.24£298,054.83
65£298,054.83£2,713.55£1,738.65£974.89£297,079.94
66£297,079.94£2,713.55£1,732.97£980.58£296,099.36
67£296,099.36£2,713.55£1,727.25£986.30£295,113.06
68£295,113.06£2,713.55£1,721.49£992.05£294,121.00
69£294,121.00£2,713.55£1,715.71£997.84£293,123.16
70£293,123.16£2,713.55£1,709.89£1,003.66£292,119.50
71£292,119.50£2,713.55£1,704.03£1,009.52£291,109.98
72£291,109.98£2,713.55£1,698.14£1,015.40£290,094.58
73£290,094.58£2,713.55£1,692.22£1,021.33£289,073.25
74£289,073.25£2,713.55£1,686.26£1,027.29£288,045.97
75£288,045.97£2,713.55£1,680.27£1,033.28£287,012.69
76£287,012.69£2,713.55£1,674.24£1,039.31£285,973.38
77£285,973.38£2,713.55£1,668.18£1,045.37£284,928.01
78£284,928.01£2,713.55£1,662.08£1,051.47£283,876.55
79£283,876.55£2,713.55£1,655.95£1,057.60£282,818.95
80£282,818.95£2,713.55£1,649.78£1,063.77£281,755.18
81£281,755.18£2,713.55£1,643.57£1,069.97£280,685.21
82£280,685.21£2,713.55£1,637.33£1,076.22£279,608.99
83£279,608.99£2,713.55£1,631.05£1,082.49£278,526.50
84£278,526.50£2,713.55£1,624.74£1,088.81£277,437.69
85£277,437.69£2,713.55£1,618.39£1,095.16£276,342.53
86£276,342.53£2,713.55£1,612.00£1,101.55£275,240.98
87£275,240.98£2,713.55£1,605.57£1,107.97£274,133.01
88£274,133.01£2,713.55£1,599.11£1,114.44£273,018.57
89£273,018.57£2,713.55£1,592.61£1,120.94£271,897.63
90£271,897.63£2,713.55£1,586.07£1,127.48£270,770.15
91£270,770.15£2,713.55£1,579.49£1,134.05£269,636.10
92£269,636.10£2,713.55£1,572.88£1,140.67£268,495.43
93£268,495.43£2,713.55£1,566.22£1,147.32£267,348.11
94£267,348.11£2,713.55£1,559.53£1,154.02£266,194.09
95£266,194.09£2,713.55£1,552.80£1,160.75£265,033.34
96£265,033.34£2,713.55£1,546.03£1,167.52£263,865.83
97£263,865.83£2,713.55£1,539.22£1,174.33£262,691.50
98£262,691.50£2,713.55£1,532.37£1,181.18£261,510.32
99£261,510.32£2,713.55£1,525.48£1,188.07£260,322.25
100£260,322.25£2,713.55£1,518.55£1,195.00£259,127.25
101£259,127.25£2,713.55£1,511.58£1,201.97£257,925.28
102£257,925.28£2,713.55£1,504.56£1,208.98£256,716.30
103£256,716.30£2,713.55£1,497.51£1,216.03£255,500.26
104£255,500.26£2,713.55£1,490.42£1,223.13£254,277.13
105£254,277.13£2,713.55£1,483.28£1,230.26£253,046.87
106£253,046.87£2,713.55£1,476.11£1,237.44£251,809.43
107£251,809.43£2,713.55£1,468.89£1,244.66£250,564.77
108£250,564.77£2,713.55£1,461.63£1,251.92£249,312.85
109£249,312.85£2,713.55£1,454.32£1,259.22£248,053.63
110£248,053.63£2,713.55£1,446.98£1,266.57£246,787.07
111£246,787.07£2,713.55£1,439.59£1,273.96£245,513.11
112£245,513.11£2,713.55£1,432.16£1,281.39£244,231.73
113£244,231.73£2,713.55£1,424.69£1,288.86£242,942.86
114£242,942.86£2,713.55£1,417.17£1,296.38£241,646.48
115£241,646.48£2,713.55£1,409.60£1,303.94£240,342.54
116£240,342.54£2,713.55£1,402.00£1,311.55£239,030.99
117£239,030.99£2,713.55£1,394.35£1,319.20£237,711.80
118£237,711.80£2,713.55£1,386.65£1,326.89£236,384.90
119£236,384.90£2,713.55£1,378.91£1,334.63£235,050.27
120£235,050.27£2,713.55£1,371.13£1,342.42£233,707.85
121£233,707.85£2,713.55£1,363.30£1,350.25£232,357.60
122£232,357.60£2,713.55£1,355.42£1,358.13£230,999.47
123£230,999.47£2,713.55£1,347.50£1,366.05£229,633.42
124£229,633.42£2,713.55£1,339.53£1,374.02£228,259.40
125£228,259.40£2,713.55£1,331.51£1,382.03£226,877.37
126£226,877.37£2,713.55£1,323.45£1,390.09£225,487.27
127£225,487.27£2,713.55£1,315.34£1,398.20£224,089.07
128£224,089.07£2,713.55£1,307.19£1,406.36£222,682.71
129£222,682.71£2,713.55£1,298.98£1,414.56£221,268.15
130£221,268.15£2,713.55£1,290.73£1,422.82£219,845.33
131£219,845.33£2,713.55£1,282.43£1,431.12£218,414.22
132£218,414.22£2,713.55£1,274.08£1,439.46£216,974.75
133£216,974.75£2,713.55£1,265.69£1,447.86£215,526.89
134£215,526.89£2,713.55£1,257.24£1,456.31£214,070.59
135£214,070.59£2,713.55£1,248.75£1,464.80£212,605.79
136£212,605.79£2,713.55£1,240.20£1,473.35£211,132.44
137£211,132.44£2,713.55£1,231.61£1,481.94£209,650.50
138£209,650.50£2,713.55£1,222.96£1,490.59£208,159.91
139£208,159.91£2,713.55£1,214.27£1,499.28£206,660.63
140£206,660.63£2,713.55£1,205.52£1,508.03£205,152.61
141£205,152.61£2,713.55£1,196.72£1,516.82£203,635.79
142£203,635.79£2,713.55£1,187.88£1,525.67£202,110.11
143£202,110.11£2,713.55£1,178.98£1,534.57£200,575.54
144£200,575.54£2,713.55£1,170.02£1,543.52£199,032.02
145£199,032.02£2,713.55£1,161.02£1,552.53£197,479.50
146£197,479.50£2,713.55£1,151.96£1,561.58£195,917.91
147£195,917.91£2,713.55£1,142.85£1,570.69£194,347.22
148£194,347.22£2,713.55£1,133.69£1,579.85£192,767.37
149£192,767.37£2,713.55£1,124.48£1,589.07£191,178.30
150£191,178.30£2,713.55£1,115.21£1,598.34£189,579.96
151£189,579.96£2,713.55£1,105.88£1,607.66£187,972.29
152£187,972.29£2,713.55£1,096.51£1,617.04£186,355.25
153£186,355.25£2,713.55£1,087.07£1,626.47£184,728.78
154£184,728.78£2,713.55£1,077.58£1,635.96£183,092.82
155£183,092.82£2,713.55£1,068.04£1,645.50£181,447.31
156£181,447.31£2,713.55£1,058.44£1,655.10£179,792.21
157£179,792.21£2,713.55£1,048.79£1,664.76£178,127.45
158£178,127.45£2,713.55£1,039.08£1,674.47£176,452.98
159£176,452.98£2,713.55£1,029.31£1,684.24£174,768.74
160£174,768.74£2,713.55£1,019.48£1,694.06£173,074.68
161£173,074.68£2,713.55£1,009.60£1,703.94£171,370.74
162£171,370.74£2,713.55£999.66£1,713.88£169,656.85
163£169,656.85£2,713.55£989.66£1,723.88£167,932.97
164£167,932.97£2,713.55£979.61£1,733.94£166,199.04
165£166,199.04£2,713.55£969.49£1,744.05£164,454.98
166£164,454.98£2,713.55£959.32£1,754.23£162,700.76
167£162,700.76£2,713.55£949.09£1,764.46£160,936.30
168£160,936.30£2,713.55£938.80£1,774.75£159,161.55
169£159,161.55£2,713.55£928.44£1,785.10£157,376.44
170£157,376.44£2,713.55£918.03£1,795.52£155,580.93
171£155,580.93£2,713.55£907.56£1,805.99£153,774.94
172£153,774.94£2,713.55£897.02£1,816.53£151,958.41
173£151,958.41£2,713.55£886.42£1,827.12£150,131.29
174£150,131.29£2,713.55£875.77£1,837.78£148,293.51
175£148,293.51£2,713.55£865.05£1,848.50£146,445.01
176£146,445.01£2,713.55£854.26£1,859.28£144,585.72
177£144,585.72£2,713.55£843.42£1,870.13£142,715.59
178£142,715.59£2,713.55£832.51£1,881.04£140,834.56
179£140,834.56£2,713.55£821.53£1,892.01£138,942.54
180£138,942.54£2,713.55£810.50£1,903.05£137,039.50
181£137,039.50£2,713.55£799.40£1,914.15£135,125.35
182£135,125.35£2,713.55£788.23£1,925.32£133,200.03
183£133,200.03£2,713.55£777.00£1,936.55£131,263.49
184£131,263.49£2,713.55£765.70£1,947.84£129,315.64
185£129,315.64£2,713.55£754.34£1,959.21£127,356.44
186£127,356.44£2,713.55£742.91£1,970.63£125,385.80
187£125,385.80£2,713.55£731.42£1,982.13£123,403.68
188£123,403.68£2,713.55£719.85£1,993.69£121,409.98
189£121,409.98£2,713.55£708.22£2,005.32£119,404.66
190£119,404.66£2,713.55£696.53£2,017.02£117,387.64
191£117,387.64£2,713.55£684.76£2,028.79£115,358.86
192£115,358.86£2,713.55£672.93£2,040.62£113,318.24
193£113,318.24£2,713.55£661.02£2,052.52£111,265.72
194£111,265.72£2,713.55£649.05£2,064.50£109,201.22
195£109,201.22£2,713.55£637.01£2,076.54£107,124.68
196£107,124.68£2,713.55£624.89£2,088.65£105,036.03
197£105,036.03£2,713.55£612.71£2,100.84£102,935.19
198£102,935.19£2,713.55£600.46£2,113.09£100,822.10
199£100,822.10£2,713.55£588.13£2,125.42£98,696.68
200£98,696.68£2,713.55£575.73£2,137.82£96,558.87
201£96,558.87£2,713.55£563.26£2,150.29£94,408.58
202£94,408.58£2,713.55£550.72£2,162.83£92,245.75
203£92,245.75£2,713.55£538.10£2,175.45£90,070.31
204£90,070.31£2,713.55£525.41£2,188.14£87,882.17
205£87,882.17£2,713.55£512.65£2,200.90£85,681.27
206£85,681.27£2,713.55£499.81£2,213.74£83,467.53
207£83,467.53£2,713.55£486.89£2,226.65£81,240.88
208£81,240.88£2,713.55£473.91£2,239.64£79,001.24
209£79,001.24£2,713.55£460.84£2,252.71£76,748.53
210£76,748.53£2,713.55£447.70£2,265.85£74,482.69
211£74,482.69£2,713.55£434.48£2,279.06£72,203.62
212£72,203.62£2,713.55£421.19£2,292.36£69,911.26
213£69,911.26£2,713.55£407.82£2,305.73£67,605.53
214£67,605.53£2,713.55£394.37£2,319.18£65,286.35
215£65,286.35£2,713.55£380.84£2,332.71£62,953.64
216£62,953.64£2,713.55£367.23£2,346.32£60,607.33
217£60,607.33£2,713.55£353.54£2,360.00£58,247.32
218£58,247.32£2,713.55£339.78£2,373.77£55,873.55
219£55,873.55£2,713.55£325.93£2,387.62£53,485.93
220£53,485.93£2,713.55£312.00£2,401.54£51,084.39
221£51,084.39£2,713.55£297.99£2,415.55£48,668.84
222£48,668.84£2,713.55£283.90£2,429.64£46,239.19
223£46,239.19£2,713.55£269.73£2,443.82£43,795.37
224£43,795.37£2,713.55£255.47£2,458.07£41,337.30
225£41,337.30£2,713.55£241.13£2,472.41£38,864.89
226£38,864.89£2,713.55£226.71£2,486.83£36,378.05
227£36,378.05£2,713.55£212.21£2,501.34£33,876.71
228£33,876.71£2,713.55£197.61£2,515.93£31,360.78
229£31,360.78£2,713.55£182.94£2,530.61£28,830.17
230£28,830.17£2,713.55£168.18£2,545.37£26,284.80
231£26,284.80£2,713.55£153.33£2,560.22£23,724.58
232£23,724.58£2,713.55£138.39£2,575.15£21,149.43
233£21,149.43£2,713.55£123.37£2,590.17£18,559.26
234£18,559.26£2,713.55£108.26£2,605.28£15,953.97
235£15,953.97£2,713.55£93.06£2,620.48£13,333.49
236£13,333.49£2,713.55£77.78£2,635.77£10,697.72
237£10,697.72£2,713.55£62.40£2,651.14£8,046.58
238£8,046.58£2,713.55£46.94£2,666.61£5,379.97
239£5,379.97£2,713.55£31.38£2,682.16£2,697.81
240£2,697.81£2,713.55£15.74£2,697.81£0.00

Calculate the commercial property loan and deposit

Enter the purchase price and your deposit as a percentage. The tool deducts that deposit to calculate the mortgage amount and shows the implied loan-to-value (LTV). This is a planning calculation using the entered price; a lender can use a different valuation or assess other secured borrowing.

On a £500,000 property with a 30% deposit, the deposit is £150,000 and the loan is £350,000, giving a purchase-price LTV of 70%. The cash required at completion also includes fees, applicable property taxes, legal work and any planned refurbishment. This tool shows the deposit plus entered upfront fees; it does not calculate tax or valuation costs automatically.

Compare repayment and interest-only commercial mortgages

A repayment mortgage pays interest and reduces the debt through each scheduled instalment. An interest-only mortgage pays the interest each month while leaving the original capital outstanding. Select the structure in the tool and pay attention to the final balance.

An assumed £350,000 repayment mortgage over 20 years at a nominal annual rate of 7% costs approximately £2,713.55 a month before fees. Interest-only payments on that amount and rate are approximately £2,041.67, but £350,000 still has to be repaid at the end. The smaller monthly payment is therefore not a like-for-like reduction in total debt repayment.

Stress-test the property budget

Run the quotation at a higher assumed rate to understand the extra monthly cost. For an owner-occupied property, compare payments with cash from the trading business. For an investment, allow for vacancies, maintenance and rent collection delays.

A rate fixed for only part of the term should not be assumed to stay unchanged for 20 or 30 years. This calculator uses one rate throughout. Ask for the reversion rate, fees, overpayment conditions and break costs when comparing lender offers.

  • Keep a working-capital reserve after paying the deposit.
  • Check whether fees are paid upfront or added to the loan.
  • Confirm whether the property valuation supports the requested advance.
  • Document how an interest-only capital balance would be repaid.
Business owners and a property professional reviewing a site plan with a calculator
Budget for the property deposit and completion costs separately.
Business owner measuring the floor of an empty industrial unit
Check how the premises fit the business before committing to the purchase.

Common questions

Before you compare finance

Is this also a commercial property loans calculator?

Yes. It models a standard monthly repayment or interest-only commercial property loan. It does not assess development finance, staged drawdowns or rent cover requirements.

Does the displayed LTV guarantee lender eligibility?

No. It is the loan divided by the purchase price you enter. The lender may base LTV on its accepted valuation and consider existing charges, property use and borrower information.

Are the example mortgage rates available offers?

No. They are editable assumptions. Commercial mortgage pricing and terms must be confirmed for the specific property, borrower and agreement.

Related funding guides

Commercial property loan rates →Commercial property deposits →How to get a commercial property loan →

Sources and calculation assumptions

Reviewed 11 October 2026. Independent educational tool; calculations are estimates, not a finance offer or affordability assessment. Annual-rate tools use a nominal rate divided by 12. The bridging tool uses the entered monthly rate. All fees are paid upfront. No payment holidays, taxes, insurance or default charges are included.

Your next step

Turn the estimate into a funding discussion

Review the repayment budget, then tell us about your business and funding requirement through the existing enquiry form.

Check your funding options →