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Clifton Private Finance

Commercial Mortgage Calculator

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Commercial Mortgage Calculator 

Commercial Mortgage Calculator

Commercial Mortgage Calculator

Your repayments

Based on the figures entered, we think your second mortgage will cost:

Repayment: (Capital & Interest)

Interest Only:

This information is computer-generated. It has only been designed to give a useful general indication of costs. Make sure that you read the separate key facts lender illustration before you make a decision. To get a full mortgage quote contact us.

How To Use The Calculator

First, enter your loan amount. This isn't the value of the property you're buying, but just the loan you need to make your purchase.

Next, enter your mortgage term.

The default term is 25 years and this is the industry standard, but there is flexibility on this depending on the property you're buying and your plans for it. Extending the mortgage term reduces your monthly payments, but it means you're repaying your loan for longer and will ultimately pay more in interest throughout the course of your mortgage. 

Next, enter your interest rate. 

Commercial mortgage rates are typically between 7-12%, depending on the complexity of your project, your financial details and the broader economy at the time.

To get a better understanding of what your interest rate will be, we recommend:

  • Speaking to our advisers about your goals to compare the market and get an estimate
  • Reading our full guide to commercial mortgage rates to understand what else affects the costs

Or to get a rough idea of costs, we recommend entering 7-8% for simple commercial mortgages with a good credit history and a low loan-to-value (70% and under). 

For more complex projects with unusual property locations, poor credit history, low or patchy income history or other complications, you should expect to get a higher rate. In these cases, we recommend getting in touch to speak to an adviser for a better understanding. 

Finally, press calculate to get your results. 

The results

Our commercial mortgage calculator calculates your monthly mortgage repayments based on the figures entered. 

This is split into two sections:

  • Capital and interest
  • Interest only

The capital and interest figure is the total amount you'd repay each month for your commercial mortgage. Capital is the actual money you've borrowed, and interest is the bank's charge for loaning you the money. 

The interest-only figure is purely the interest - so, you can see exactly how much your commercial mortgage will cost you each month in interest. 

By tweaking the loan size, interest rate and mortgage term you can see how these factors affect your commercial mortgage costs, and hopefully, this informs your planning process project goals.

To speak to a qualified and experienced commercial mortgage adviser, book a free consultation below and see how we can help you. 

We can give you a sense-check on your commercial mortgage plans, support you with your application process, and compare lenders and rates across the market to find you the best deal for your project.

Book Consultation »

Commercial Mortgage Case Studies

Read some of our recent case studies to le arn the ins and outs of how we secure commercial mortgages and other types of commercial finance for our clients. 

Fleet of Vans Refinanced to Release £160k for Business Growth
Fleet of Vans Refinanced to Release £160k for Business Growth
Area
Cardiff
Capital Raised
£160k
Fast Asset Finance for Two Tractors at Low Rate | Case Study
Fast Asset Finance for Two Tractors at Low Rate
Area
Somerset
Capital Raised
£558k
Management Buy Out Finance For Funeral Director
£750k Management Buy Out Finance For Funeral Director
Area
London
Capital Raised
£750k
Asset Based Lending Facility for Steel Business | Case Study
Asset Based Lending Facility for Steel Business Management Buyout
Area
Wales
Capital Raised
£1.3m
Anaerobic Digester Plant Refinance For Business Growth
£5.2m Anaerobic Digester Plant Refinance For Business Growth
Area
Wales
Capital Raised
£4.1m
VAT Loan For Interior Designer In London
VAT Loan For Interior Designer In London
Area
London
Capital Raised
£85k

Why Use Clifton Private Finance for Commercial Property Finance

As a mortgage broker, we specialise in arranging commercial property finance for business owners and individuals who require commercial finance.

Whether you need finance for a commercial property, standard buy-to-let, a House in Multiple Occupation or a mixed-use property, we have the expertise and knowledge of the financial services market to identify the most suitable funding for you.

We regularly work with private banks, specialist lenders, family offices and wealth managers who are willing to provide commercial mortgages to a range of applicants with a variety of circumstances.

Get in touch today for a no-obligation consultation with an adviser.

Book Consultation »

 

 
Get in Touch

If you have any questions about our services or want to start making things happen please contact us