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Commercial Mortgage Calculator

Our commercial mortgage calculator is designed to give you a rough idea of how much you could borrow in a few simple steps.

How to use our commercial mortgage calculator

We don’t ask for any personal details and if you’d like to discuss your result, then please do either call us on 0800 470 0430 or click on the ‘enquiry’ button below and we’ll get straight back to you.While our key lending criteria for commercial mortgages is below, every deal is structured and priced on its own merits.

To get an idea of how much you could borrow with Assetz Capital, we only need you to input a few details to get your commercial mortgage calculator result. These are –

The value of the security you want to borrow against. Our lending range is typically between £2-£10 million.

The value of your deposit (which must be at least 30% of the value of the security).

The term you’d like to borrow for. This is available up to 5 years or 60 months.

The prevailing interest rate. To give you an idea of the interest rate available we typically lend at 3% plus SONIA.

 

Indicative termsKey features
Commitment termUp to 5 years.
Amortisation profile Up to 25 years / interest only periods considered.
Maximum LTV70%. (We may also consider MV1.)
Preferred loan size£2m – £10m.
Rate (dependent on risk and loan size).From 3% plus SONIA.

 

(Criteria updated July 2024.)

Loan Repayment Calculator

Before submitting an enquiry, check how much you can borrow and see what your repayments would be with our handy loan repayment calculator.

Quick enquiry form

If you have a deal you’d like to discuss, why not complete our quick enquiry form below and we’ll get straight back to you.

Or, why not give our expert team a call right now on 0800 470 0430.

Quick enquiry form

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Frequently asked questions about our commercial mortgage calculator

 

How does the commercial mortgage calculator work?

To get an idea of how much you could borrow with a commercial mortgage from Assetz Capital, we only need you to input a few details to get your result. These are –

The value of the security you want to borrow against. Our lending range is typically between £2-£10 million.

The value of your deposit (which must be at least 30% of the value of the security).

The term you’d like to borrow for. This is available up to 5 years or 60 months.

The prevailing interest rate. To give you an idea of the interest rate available we typically lend at 3% plus SONIA. So at the moment an interest rate of 10% will be indicative.

 

Why can’t your commercial mortgage calculator give me an accurate figure?

The market for commercial mortgages is constantly changing and we tailor our lending to meet your individual business needs.

Does your commercial mortgage calculator use my personal data?

No. We don’t ask for any personal information when using the calculator and the information you input isn’t stored.

What are acceptable property types for commercial mortgages?

We will accept owner occupied, fully let or part-let commercial & mixed use property.

For which purposes will you consider commercial mortgages?

We will lend for a number of different purposes including  purchase, refinance, equity release & general working capital. Build to term facilities are also available to provide a development facility that converts to a term loan typically upon practical completion.

What security do you require for a commercial mortgage?

First legal charge (plus debenture and a level of personal guarantee for corporate borrowers).

Who can apply for a commercial mortgage?

Limited companies & LLPs can apply for a commercial mortgage with Assetz Capital.

What are the repayment terms?

Commercial mortgage repayment terms are capital & interest repayment with amortisation up to 25 years, initial interest only periods & interest only for full term considered within a 5 year term commitment. The minimum term is negotiable.

How do I find out more about your commercial mortgages?

Simply visit our commercial mortgages page for more information.