Commercial Property Loan Calculator
Model financing costs for offices, retail units, industrial, hotels and mixed-use commercial property.
Calculate your commercial loan
Max LTV 70%
* Additional fees may apply on a case-by-case basis: Legal Fees, Valuation Fee, Admin Fees, Title Insurance, General Insurance, Fund Transfer and others.
Enter your loan details above to see the cost breakdown.
Maximum LTV is 70% for commercial security. Rates typically 0.9–1.5% per month. Actual costs vary significantly by property type, tenancy and lender.
Results are indicative only. Actual rates and costs depend on your specific circumstances, security and lender. Learn more about Commercial Property Loan
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70%
Max LTV (investment)
0.9%
Rates from (per month)
4–8wk
Typical completion time
£0
Upfront broker fees
What is a commercial property loan?
A commercial property loan is secured against a commercial or semi-commercial property — offices, retail units, industrial units, warehouses, hotels, care homes or mixed-use buildings with both commercial and residential elements. The loan may be used for acquisition, refinance or capital raising.
Short-term commercial loans (bridging) typically run 1–18 months. Longer-term commercial mortgages run 5–25 years and are underwritten primarily on the income generated by the property — rent roll and tenant covenant strength.
Commercial property is assessed differently to residential. Lenders look at the tenant covenant, the lease length remaining, the yield (annual rent as a percentage of property value), the property condition and its liquidity — how easily could it be sold if the loan defaulted.
LTVs on commercial property are typically lower than residential — 65–70% for investment commercial, lower for vacant or owner-occupied. Interest rates are typically higher to reflect the lower liquidity of commercial assets.
The Process
Property & Tenancy Assessment
Lender reviews the property type, tenant covenant (if let), lease terms and comparable evidence for value. Vacant or short-let commercial attracts lower LTVs.
Valuation
RICS commercial valuer instructed. Commercial valuations typically take 2–3 weeks and cost more than residential. Red Book valuation required for most lenders.
Offer & Legal Work
Formal offer issued. Commercial title due diligence includes planning history, environmental searches, lease review and any incumbrances.
Drawdown
Funds released to solicitors on completion. Commercial loans typically take 4–8 weeks from application.
FAQs
Frequently asked questions
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