Commercial Mortgage Calculator

Helping you see the costs fast


Large-scale borrowing

  • Terms up to 20 years
  • £50,000 – No Maximum
  • Rates from 2% over base rate
  • Individual arrangements tailored to your circumstances


  • Repayments geared to your turnover
  • Adverse Credit – no problem
  • No Income Proof Required
  • Repayment and interest only available


  • Refinance existing property
  • Up to 80% Loan to Value available
  • Purchase land, premises or investment property
  • Commercial, Residential and Land

Talk to Rangewell – the business finance experts

A Commercial Mortgage could help you secure the property you need for your business. Use our calculator to find the costs of the mortgage you need.

Calculate Commercial Mortgage costs

Our Commercial Mortgage calculator can help give you an indication of what your overall costs are with a bridging loan. Simply enter the details of the loan amount and estimated property value and our Commercial Mortgage calculator can help you see the potential costs.

A Commercial Mortgage is simply a mortgage designed to buy commercial, rather than residential property. The property may be an office, industrial unit or a shop for your business to use, or an investment, where tenants pay you rent.

They work like a residential mortgage, with some important differences. Your income is not the key factor in the lenders' decision. They are secured on the property itself, and this value and the performance of your business will help set how much you can borrow.

However, unlike a residential mortgage, the rates and terms for a Commercial Mortgage are arranged on an individual basis. Lenders will look at your business, accounts and projections to ensure that it has a future and set interest rates based on the level of risk they believe it presents.

Interest rates and terms are always decided on an individual basis. Rates will vary - but our Commercial Mortgage Calculator can give you an idea of the potential costs involved.

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Why you might choose a Commercial Mortgage

To buy your business premises

A Commercial Mortgage could let your company buy the premises where you operate now or buy new premises to move into. Buying your factory, warehouse office or even land could all be possible with a Commercial Mortgage, and can frequently reduce your monthly outgoings compared with renting your premises.

To acquire residential and commercial buy to let

Commercial Mortgages can be used to fund the purchase of property to be let out. This approach is commonly used by professional residential landlords, as well as buy to let limited companies, to help build a property portfolio. Less well-known are commercial buy to lets. These might, for example, allow you to buy warehousing and let it out to other businesses.

To secure land

If you need to buy land, for agricultural, storage or development needs, it may be possible to use a Commercial Mortgage to do so.

Borrowing to fit your needs

There is no upper limit on what you can buy with a Commercial Mortgage - making it suitable for any size of property purchase. However, because of the legal and administrative costs, it is uneconomical to borrow less than £50,000. Some lenders have a minimum of £75,000 or more. Below this level, a Secured Loan may be more appropriate.

A deposit will be required. A typical loan-to-value ratio that you may be offered if yours is a new business with no trading history will be 50% of the purchase price. Owner-occupied businesses such as offices or represent a better risk for lenders, and can normally get a maximum loan-to-value of around 80%.

Commercial Mortgages usually run for 15 years, but longer terms are possible. There will be valuation, arrangement and legal fees to consider. There can also be additional costs for the services of professional advisors. These are generally higher than the costs expected with a residential mortgage.

The rates and terms they offer will reflect the lenders' view of your business and the level of risk they believe it presents. A sound business in a growing sector could expect to secure the best rates and terms, but the views and criteria of one lender can be very different from another - which is why it is essential to get expert help when you are ready to arrange the best Commercial Mortgage.

Repaying a Commercial Mortgage

You may be able to choose a repayment mortgage option where you pay the capital and interest back each month or an interest-only mortgage where you only pay the interest back each month. If you choose this option, the lender will seek evidence of an appropriate investment policy that will cover the outstanding capital at the end of the loan term.

Fixed and variable rate deals are usually between two and five years, after which payments may switch to the lenders' standard variable rate.

Commercial Remortgages

A Commercial Mortgage is a loan secured on property assets, usually to help you buy them. However, a Commercial Remortgage is secured on property you already own and lets you release the investment to use it again for any purpose. It works by letting you take out a new Commercial Mortgage on your existing property.

If you own the property outright, all the money you raise is yours to use in any way you wish. If you are refinancing an existing Commercial Mortgage, you can repay your original loan, and use any surplus cash to help build your business. In both cases, when you repay the loan, you regain full title to your premises. The chances are that by doing so you will be able to take advantage of rates that are exceptionally low. A Commercial Remortgage can be among the lowest cost types of lending available.

With current low interest rates and high property values, it could be the simplest way to get the funds you need.

Commercial property solutions from Rangewell

Commercial property involves high costs and it is important to have expert help to get the kind of funding that will help you reduce your outgoings.

At Rangewell, we can help you access the full range of funding from lenders across the market.  We use our property finance expertise to support your business – and ensure that you have the financial solutions you need.

Even a fraction of a percentage point can make a substantial difference to what you actually pay, while fees and penalties can complicate the position still further. There are many different lenders who may be prepared to offer funding. Each has their own approach to interest rates and fee arrangements, and comparing offers needs an expert eye.

At Rangewell, we know the lenders who can offer Commercial Mortgage finance, and we can use our expertise to identify the deal that really is the most appropriate for you. Our knowledge can not only help you secure the funding you need - it can save you a great deal of cash.



  • Help a commercial landlord buy an old school for conversion into flats

  • Find the most competitive funding for a business wanting to buy its office building and depot

  • Find finance for an industrial unit operator buy an adjacent site to expand

  • Source funding to allow a landlord to build his BTL property portfolio

  • Arrange refinance of the listed office building of a small advertising agency ready to acquire a competitor

Meet real businesses who have used Commercial Property Mortgages

We are a print business, and we had an artwork studio supplier. We refinanced our print works building to buy the studio - slashing our costs.
Refinancing our Birmingham HQ let us pay cash for a new branch in Oxford.
A bigger buy to let property portfolio means bigger returns, and a commercial mortgage lets us build it.

Helping you build your profits

Borrowing from specialist lenders

Lenders will look at your credit profile, the value of the property, and your exit strategy to make a decision that recognises your business needs.

Suitable for all types of property

• Residential, commercial and mixed-use development • Conversion and refurbishment • Planning gain transactions • Part built development refinance

Reduce outgoings

Refinancing an existing mortgage can often let you enjoy more favourable terms - reducing your monthly commitments and freeing up cash.

Cost-effective funding

Commercial mortgages can provide the most cost-effective ways to raise large sums. It means funds for any purpose at the low cost of a property loan.

Build a property portfolio

Refinancing your property can help you buy more- making it the simple way to build a property portfolio.

Funds for any purpose

You can use the funds you raise for refinance for any business purpose. Refinancing can therefore provide funds which might otherwise be outside lenders approval criteria.

Download Rangewell’s free and detailed guide to Property Finance

Rangewell Ebook - Download Rangewell’s free and detailed guide to Property Finance
  • How does Property Finance work?

  • Which type of funding do you need for your project?

  • What are the costs?

  • What are the restrictions?

  • The downsides of Property Development Finance

  • Making the application

  • Key terms to check

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Costs may be higher than you expect

Interest rates on a Commercial Mortgage are set on an individual basis and may be higher than a residential mortgage. Legal and other costs may also be higher.

You might pay, even if you don't accept an offer

Some lenders will charge a commitment fee. This is part of the arrangement fee, payable with your formal application, and non-refundable, to cover their work if you don't accept their offer.

The risk of loss


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