Commercial Mortgage Calculator
Monthly payment on commercial mortgage.
Calculate monthly payment and total interest on commercial property mortgage. Enter loan amount and interest rate for an instant result.
What this tool does
Enter loan amount, interest rate, and term. The tool shows monthly payment and total interest.
Enter Values
Formula Used
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Calculations, display, or translation — let us know.
Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Commercial mortgage typically higher rates than residential (often 1-3% premium). Standard amortisation math applies. 500k at 7% over 15 years: 4,494/month, 308k total interest.
A worked example
Try the defaults: loan amount of 500,000, interest rate of 7%, term of 15. The tool returns 4,494.14. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.
What moves the number most
The result responds to Loan Amount, Interest Rate, and Term. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
The formula behind this
Standard mortgage amortisation formula. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.
What the headline rate hides
Lenders quote a rate; what you pay is a blend of that rate, fees, insurance, and any early-repayment penalty built into the product. The figure here isolates the core interest cost so you can compare like-for-like across deals — then add the other costs separately before signing anything.
What this doesn't capture
The figure excludes arrangement fees, valuation costs, legal fees, insurance, and any early-repayment charges — those can add several thousand to the headline cost. Rate changes at renewal for fixed-term deals will shift the picture further. Use this for the core interest/principal math and add the other costs on top.
What to calculate alongside this
One figure by itself is fragile. The business loan calculator, the refinance calculator, and the mortgage payment calculator cover adjacent ground — the answer to any one of them changes how you read the output from this tool. Worth a few minutes each, honestly.
Commercial mortgage produces payment based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Standard mortgage amortisation formula.
References
Frequently Asked Questions
Why upper rate than residential?
Typical commercial mortgage term?
Deposit required?
Tax treatment?
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