Commercial mortgage calculator: both repayment bases, live.
Enter property value, loan amount and term, then toggle between interest only and capital and interest. Monthly payment, LTV and total cost of borrowing update instantly, with rates from 5.9% pa based on current whole of market pricing. No contact details required to see any of it.
What the calculator shows you
Four inputs: property value, loan amount, term in years, and repayment basis. The calculator returns your monthly payment on each basis, your loan to value, and the total cost of borrowing across the term, so the interest only versus capital and interest decision stops being abstract and becomes two numbers side by side on your actual deal.
One thing the calculator makes visible that surprises most borrowers: serviceability usually constrains the loan before LTV does. Lenders stress your rent or trading profits against a rate higher than today's, and that stress test often sets your maximum loan below the 75% cap. Model a loan and term, and if the implied payment looks tight against your income, that is the conversation to have with us early. The full explanation is in the commercial mortgage guide.
From model to terms
Press apply and your inputs attach to the application automatically. We test the deal against the whole market, investment and owner occupied lenders both, and issue indicative terms within 24 hours. Exiting a bridge into a term facility? We arrange that refinance end to end.
A note on the value you enter
On commercial security, lenders frequently apply the loan to value percentage to a restricted marketing period figure rather than to market value — typically 5% to 15% below on a 180 day basis and 10% to 25% below on a 90 day basis. The output here assumes the value you enter is the value the lender uses.
Before relying on a figure, it is worth establishing which basis your lender applies. 90 and 180 day valuations explained →