Commercial Mortgage Calculator
Payments priced from 402 products on our panel, not one lender's headline
Up to 25 or 30 years with some lenders
The number the arithmetic misses: your sector
Every commercial mortgage calculator online will do the sum above. None of them tells you how many lenders would actually look at your building, and that is what decides the deposit you end up putting in. Below is our panel of 45 commercial mortgage lenders counted by property type, from the September 2026 platform extract. A short list means little competition on terms, which shows up as a larger deposit long before it shows up as a higher rate.
One more thing the sum cannot show. Landlord experience is a criterion in its own right: 21 of those lenders will consider a borrower with none, so a first commercial investment purchase is placeable but narrower than the headline count suggests. Naming a lender here is a fact about what our panel covers and implies no endorsement, affiliation or approval either way.
Common questions
How is a commercial mortgage payment calculated?▼
The same way a residential repayment mortgage is: the balance amortises over the term, so each payment is part interest and part capital, and the interest share shrinks as the balance falls. Many commercial facilities are written interest-only instead, which lowers the monthly payment and leaves the full balance outstanding at the end, to be repaid from a sale or a refinance. Switch the toggle above to see both.
Where do this calculator's rates come from?▼
From the commercial mortgage products on our own lender panel: an annual rate spanning 4.6% to 11.4% with a median around 7.3%, measured at 70% loan-to-value across 402 products and checked September 2026. Outliers are removed before the span is published. Because the benchmark is 70% loan-to-value, a materially lower loan should price better than the median and a higher one worse. It is a guide to the market we place cases into, not a quote.
What deposit will I need for a commercial mortgage?▼
Commonly a quarter to a third of the value. Across our panel the maximum loan-to-value spans 60% to 100% with a median of 75% over 460 products, checked September 2026, so a 25% deposit is the ordinary planning assumption. The number that moves it most is not your accounts but the sector: fewer lenders means less competition, and less competition means a bigger deposit whatever the headline maximum says.
Does the property type change what I can borrow?▼
Considerably, and it is the part most calculators ignore. At September 2026 our panel has 36 lenders for offices and 32 for industrial units, but 20 for pubs, 11 for petrol stations and 7 for churches. Owner-occupied trading premises also tend to reach a higher loan-to-value than investment property, because the lender can read your accounts as well as the rent.
Is a commercial mortgage regulated?▼
Generally not, where the borrower is a company and the property is for business or investment purposes, so the conduct rules and the Financial Ombudsman Service that protect a residential borrower do not apply as of right. A mortgage over a property someone lives in is a different matter and belongs with a regulated mortgage broker. That is a reason to read the facility letter properly rather than a reason for concern.
For the criteria behind the numbers, see our commercial mortgages guide, which names every lender on the panel, or the deposit answer if that is the only question you came with.
CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender. We do not provide financial advice.