Commercial mortgage calculators
Three quick sums, no sign-up. What the loan costs each month, how much a lender would let you borrow, and the deposit, stamp duty and fees you'd need to find.
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
How much could I borrow?
The way lenders test it: an owner-occupier from the business's profit, an investor from the rent. Both capped by loan-to-value.
70% to 75% owner-occupier; 65% to 70% investment.
Profit before tax, after directors' pay, adding back depreciation and the rent you'll stop paying.
Profit ÷ annual payments. 1.25 to 1.5 is typical.
Rent ÷ annual interest at the stress rate. 125% to 145% is typical.
Investment loans are tested on interest, so the term matters less.
- Limited by loan-to-value
- £0
- Limited by profit cover
- £0
- Deposit needed at that loan
- £0
Deposit, stamp duty and fees
What you need to find in cash, on top of the loan. Non-residential stamp duty rates, which also apply to mixed-use property.
Often added to the loan rather than paid in cash.
- Deposit
- £0
- Stamp Duty Land Tax
- £0
- Fees paid in cash (valuation, legal, broker)
- £0
- Arrangement fee (if added to the loan)
- £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.
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.