Commercial mortgage calculator
A commercial mortgage is a long-term loan secured on business property, repaid in monthly instalments over 15 to 25 years. Enter the property value, the loan, the annual rate and the term to see your monthly repayment, your loan-to-value and the total cost of the mortgage over its life.
Used to work out the loan-to-value (LTV).
Owner-occupied commercial mortgages commonly run from about 6% to 9% a year.
Commercial mortgages commonly run 15 to 25 years.
Most lenders cap around 70 to 75%.
Indicative estimate for limited-company business finance, not a quote or a credit decision. Rates you enter are your own; no credit search is run. Reviewed July 2026.
Loan-to-value
Balance paid down over the term
What you repay
Get an indicative commercial mortgage quote
No obligation, no credit search. We are a broker for limited-company business finance and may receive commission from the lender.
Worked example
For £600,000 commercial mortgage at 7.0% over 20 yr, the monthly repayment is £3,256. Loan-to-value (LTV): 70.0%. Total interest: £361,501. Total repayable: £781,501.
How it works
- A commercial mortgage is secured on the business property and repaid over a long term, usually 15 to 25 years.
- Each monthly payment covers the interest on the balance first, then reduces the capital.
- Lenders lend against the property value, the loan-to-value, usually up to 70 to 75%.
- A longer term lowers the monthly payment but increases the total interest over the life of the loan.
- Rates can be fixed or variable; use your own quoted rate for an accurate figure.
Frequently asked questions
How is a commercial mortgage repayment calculated?
On a reducing-balance basis: the same payment each month, with interest charged on the balance outstanding, so early payments are more interest and later ones more capital. The calculator uses your rate and term to work out the monthly figure.
What LTV can I get on a commercial mortgage?
Owner-occupied commercial mortgages commonly go up to 70 to 75% of the property value, sometimes higher with additional security. Investment property is often a little lower. The calculator shows your LTV so you can see where you sit.
How long can a commercial mortgage run?
Typically 15 to 25 years, and up to 30 with some lenders. A longer term lowers the monthly payment but costs more in total interest, both of which the calculator shows.
Is this a quote?
No, it is an indicative estimate for planning. Real terms depend on the property, the covenant and the lender. CoreFi is a broker for limited-company commercial finance and can source indicative terms from the panel.
This calculator gives an indicative estimate of business finance for limited companies. It is not a quote, an offer, or a credit decision, and no credit search is run. CoreFi is a trading name of JG Core Ltd (company 16218779), a finance broker not a lender, and may receive commission from the lender. Figures reviewed July 2026.