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Commercial Mortgage Calculator

We work with an extensive network of specialised lenders to help commercial clients access unbeatable deals. Whatever your requirements and current financial position, we will do whatever it takes to pair you with the perfect lender.

Factors that influence commercial mortgage interest rates

Commercial mortgage interest rates are calculated on a case-by-case basis, with a multitude of factors being taken into consideration. The most important are as follows:

  • Commercial borrowers and businesses that have been established for some time are considered significantly safer than those that have only recently gone into business.
  • Lenders may also take into account how profitable and successful your business has been, particularly over the months and years leading up to your mortgage application.
  • Your current debts and general outgoings will be taken into account when applying for a commercial mortgage. The fewer debts and liabilities you have, the more likely you are to qualify for a competitive deal.
  • Your personal credit history and that of your business as a whole may influence your access to a loan. Imperfect credit will not necessarily count you out of the running for a competitive deal.
  • Larger commercial mortgage loans will also have a positive impact on the APR you can expect. As a general rule of thumb, shorter-term or bridging loans attract higher annual interest rates.
  • You may find it easier to qualify for a competitive commercial mortgage if you are able to offer a larger deposit. The LTV of the loan you apply for will have an impact on monthly payments.

Our commercial mortgage calculator has been designed to provide an approximate indication of the associated costs of the commercial mortgage you require. There are many additional factors that must be brought into consideration that may have an impact on your eligibility and the overall cost of your loan.