Capital repayment
Each payment covers interest and gradually reduces the loan balance.
- Indicative monthly payment
- —
- Annual debt service
- —
- Indicative income cover
- —
- Total interest over the term
- —
- Estimated balance at term end
- £0
Estimate commercial mortgage repayments, loan-to-value, deposit, upfront costs and income cover before you speak to lenders. Use the figures as a starting point, then ask Count Ready to review whether the case is likely to fit lender appetite.
Enter the purchase price or value, deposit or equity, loan amount, interest rate, term, repayment type and income details. The calculator can help you sense-check the numbers before you spend time on lender applications, valuation fees or legal costs.
Commercial finance estimator
Estimate repayments, loan-to-value, upfront costs and income cover for a UK commercial property. Results are indicative only.
This calculator provides an indicative estimate only. It is not a mortgage offer, tax advice, financial advice or a substitute for professional advice. Rates, fees, lender criteria and tax rules can change.
This comparison uses the purchase price, deposit, rate, term and annual income entered in the calculator above. Change any of those figures and the scenarios update automatically.
Each payment covers interest and gradually reduces the loan balance.
Monthly payments cover interest, while the original capital normally remains due at the end.
Each scenario keeps the current property value, rate and term unchanged so you can isolate the effect of deposit and loan-to-value. In practice, a lender may price lower-LTV cases differently.
80% LTV
75% LTV
70% LTV
65% LTV
60% LTV
Indicative illustrations only. They are not mortgage offers, lender terms, tax advice or a guarantee that a repayment structure or loan-to-value will be available.
Estimate monthly payments for capital repayment or interest-only borrowing so you can see how the term, rate and repayment type affect cashflow.
Check whether the loan looks sensible against the property value. A lower loan-to-value may improve lender choice, but the full case still matters.
Sense-check deposit, arrangement fees, valuation fees, legal costs and property tax so the cash requirement is clearer before you apply.
For investment or rental-led cases, income cover helps show whether rent may support the proposed debt. Lenders may use their own stress tests.
A higher-rate stress estimate can show whether the borrowing still looks manageable if rates or lender assumptions are less favourable.
The calculator cannot decide eligibility. Lenders also review sector, property type, valuation, accounts, bank conduct, credit profile and exit route.
A strong commercial mortgage enquiry is not built on one repayment figure. The useful question is whether the loan amount, deposit, income and property all make sense together.
| Calculator result | What to check next |
|---|---|
| Monthly payment | Can the business income or rental income support this payment alongside other commitments? |
| Loan-to-value | Is the deposit or equity realistic, evidenced and strong enough for the property type? |
| Upfront costs | Do you have enough funds for fees, property tax, valuation, legal work and any cash reserve? |
| Income cover or DSCR | Would the rent or trading income still look workable under a lender stress test? |
| Interest-only estimate | Is there a credible repayment or refinance plan at the end of the term? |
If the numbers look tight, it is usually better to review the case before submitting an application. A weak application can waste time and may make the next lender conversation harder.
People sometimes call this a business mortgage. For a trading business buying or refinancing its own premises, lenders usually want to understand affordability through accounts, management information, bank conduct, sector risk and the property itself.
For commercial buy-to-let or investment property, lenders usually focus on rent, lease quality, tenant profile, property value, location, saleability and landlord experience.
Send the property type, value or purchase price, loan amount, deposit or equity, repayment preference, income evidence and deadline. Count Ready can explain what lender routes may be worth considering and what evidence may strengthen the case.
The calculator gives you a number to discuss. Lenders will usually need evidence before they can make a meaningful decision.
Address, property type, tenure, use, valuation or purchase price, condition, lease position and any specialist features.
Individual, partnership, trading company, limited company or SPV structure, plus relevant directors or shareholders.
Accounts, management figures, rent schedule, lease documents, bank statements or other evidence that supports affordability.
For a fuller preparation guide, read the commercial mortgage document checklist.
Share the calculator output and the basic case details. We will not treat the calculator result as a lender quote; we will use it as a starting point to check whether the borrowing looks realistic and what lenders may ask next.
The calculator applies the figures you enter; it does not retrieve a live lender quote or decide whether a property, borrower or income source is acceptable. Use current evidence and compare the result with lender-specific terms before committing to valuation, legal or transaction costs.
British Business Bank commercial property finance guidance explains mortgages, bridging finance and common purchase costs.
Check the current GOV.UK non-residential and mixed-property SDLT rates before relying on the simplified tax estimate.
Use the Welsh Revenue Authority Land Transaction Tax guidance for the current Welsh rules and rates.
Use Revenue Scotland non-residential LBTT guidance for current Scottish rates and bands.
The FCA Handbook mortgage-perimeter guidance explains why property use and borrower circumstances can affect whether mortgage regulation applies.
It gives an indicative estimate based on the figures entered. It cannot confirm lender acceptance, a live interest rate, valuation outcome or legal position. Commercial mortgage lenders usually assess each case individually.
It can help estimate repayments, loan-to-value, deposit or equity position, upfront costs, property tax estimates, income cover and stress-rate figures. The exact output depends on the information entered and the calculator settings.
Yes, if the repayment type is available in the calculator. Interest-only borrowing may reduce monthly payments, but lenders usually want a credible repayment, refinance or sale strategy.
Enter the deposit or equity you can evidence. Commercial mortgage deposit requirements vary by property type, borrower, sector, loan-to-value, income evidence and credit profile.
The calculator can show indicative non-residential or mixed-use property tax estimates for UK jurisdictions where supported. It is not tax advice and may not cover linked transactions, VAT, lease rent calculations, reliefs or complex ownership structures.
A lender may use a different interest rate, stress rate, term, valuation, affordability method, fee structure or income assessment. The property type, lease, credit history and borrower profile can also affect the final terms.
Yes, when the borrowing is secured on premises used by your business or another commercial property. Enter the property value, deposit, loan, term and a realistic interest rate. The result remains an illustration: lenders also assess business accounts, affordability, trading history, borrower structure and the property. It is not a calculator for an unsecured business loan.
Send the property type, price or value, loan amount, deposit or equity, income source, repayment preference, deadline and any known issues. That gives an adviser enough context to discuss realistic lender routes.
