This content is for intermediaries only. If you're not an intermediary, please visit our main website.
Commercial Mortgages Calculator
This commercial mortgage calculator helps you access whether a deal meets our affordability criteria. You can use it to calculate a repayment amount or to see the maximum amount we could lend. It works for residential investment mortgages (including buy-to-let, small or large HMOs/MUFBs) and semi-commercial properties, as well as commercial investment and commercial owner occupier mortgages. This calculator can be tailored to individuals or those investing through a limited company. You can use our Product Guide below to find out our latest interest rates to use with this calculator and our high level product criteria. You may also download a copy of your calculations.
Help using this calculator
You can choose to calculate the repayment value or the maximum borrowing amount by selecting the button at the top of this calculator.
Please complete all the fields and click calculate. You can then make changes and these will be applied without needing to press calculate again.
Pay rate - please use the interest rates published in our product guide.
Please refer to our Product Guide for latest product information and interest rates.
Find more detailed information in our Criteria Documents.
To use our repayment calculator you need to know the client’s property value, required loan amount (net of fee), annual rental income/Adjusted EBITDA and the product pay rate (you can use our Product Guide to find our latest interest rates). You can also choose to select your preferred repayment type, fixed or variable rate products and arrangement fee options. The calculator will show you if the stressed ICR/DSC meets our requirements and the total annual payments the client will need to make.
To use our maximum loan calculator you need to now the clients property value, annual rental income/Adjusted EBITDA and the product pay rate (you can use our Product Guide to find our latest interest rates). You can also choose to select your preferred repayment type, fixed or variable rate products and arrangement fee options. The calculator will show you the maximum loan size available based on the information you have submitted.
Mortgages are secured on your client’s property. Your client could lose their property if they do not keep up payments on their mortgage..
These calculator results should only be used as a guide and do not indicate an offer or agreement for a loan. This calculator is to be used by mortgage brokers only. Early Repayment Charges (ERCs) may apply to certain products.