How much
will it cost?
Plan your commercial investment with confidence – our calculator helps you estimate monthly payments on your commercial mortgage.
See how interest rates and loan amounts affect your monthly expenses, whether you’re considering interest-only or repayment options.
Gain insights into potential costs and manage your budget effectively with accurate commercial mortgage calculations.
Start planning your commercial investment today – enter a few details and get an instant estimate!
Commercial Mortgage Calculator - Estimate Your Monthly Payments
Enter a few details in our calculator below to get a clear estimate
Use our Commercial Mortgage Calculator to find out how much your monthly payments could be. Simply enter:
- Loan Amount – The total amount you wish to borrow.
- Approximate Interest Rate – An estimated interest rate based on your research or your lender’s offer.
- Mortgage Term – The loan duration, which applies primarily if you’re opting for a capital & interest (repayment) mortgage.
Key Considerations for Commercial Mortgages
- Interest-Only vs. Repayment
This calculator can be used for both interest-only and repayment options. Repayment options include both capital and interest, helping you estimate monthly payments based on your preferred repayment profile. - Mortgage Term Impact on Interest-Only Loans
For interest-only commercial mortgages, the loan term doesn’t affect monthly payments since the principal is not repaid during the term. The full loan amount is due at the end of the term. - Planning for Repayment Mortgages
If you opt for a capital & interest mortgage (also known as a repayment mortgage), your monthly payments will be higher as each payment covers both the loan principal and interest. In this case, the mortgage term plays a significant role in determining monthly payment amounts.
What Will my monthly mortgage repayments be?
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Why choose Mortgage.One for your commercial property mortgage?
- Transparent Fee Structure: Unlike most of the brokers in the UK, we do not charge additional mortgage brokerage fees. Our income is derived from lender procuration fees, providing you with both clarity and cost savings.
- Deep Market Knowledge: We continuously monitor the evolving lending landscape, understanding the nuances of lender policies to secure you the best possible rate for your commercial property mortgage. See how our expertise has helped clients in our case studies.
- Access to a Wide Lender Network: We search for the most favorable commercial mortgage rates and terms from multiple lenders. We then match these rates and terms to your property and investment goals. Explore our lender partners.
- Save Time & Secure the Right Property: We streamline the commercial mortgage process, saving you time and effort. Identify the most competitive terms quickly so you can act decisively on the ideal property.
- Proven Industry Expertise: With over fifty years of collective experience in banking and mortgage brokerage, we have the expertise to manage transactions seamlessly and navigate complex financial situations with confidence. Learn more about our team's extensive expertise.
- Strong Lender Relationships: Our established connections within the industry allow for efficient communication and a deep understanding of lender priorities. We work closely with you to ensure your loan proposal effectively highlights all strengths and mitigates any potential risks and receive the most competitive terms possible.
- Informed Decision-Making: Get the clarity you need with our suite of commercial mortgage calculators.
- Personalized Mortgage Guidance: Benefit from personalized advice and dedicated assistance from mortgage advisors who will guide you through every step of the process.
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Frequently Asked Questions
The calculator helps you estimate your monthly payments by entering the loan amount, approximate interest rate, and mortgage term. It works for both interest-only and repayment options, giving you a quick overview of potential costs.
Yes, the calculator is designed to provide estimates for both interest-only and repayment options. For repayment mortgages, it factors in both the principal and interest, while for interest-only, it calculates payments based solely on the interest rate.
Monthly payments are influenced by the loan amount, interest rate, and the term of the mortgage. Interest-only mortgages typically have lower monthly payments as they don’t include principal repayments, while repayment mortgages include both principal and interest.
Yes, the calculator can be used to estimate monthly payments for refinancing an existing commercial mortgage. Simply input the loan amount, interest rate, and mortgage term to get an idea of the costs.
The loan term depends on your agreement with the lender. Most commercial mortgages have terms ranging from 5 to 25 years. A longer term reduces monthly repayments but increases the total interest paid over the life of the loan.
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