Indicative terms in 24 hours · Whole-of-market across 100+ lenders · Vortex Finance is a broker, not a lender
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Commercial mortgage calculator

Estimate your monthly payment and the total payable over the term, on repayment or interest-only. Enter the loan, rate and term. Indicative only.

Your commercial mortgage

Loan amount£500,000
Monthly payment£4,028
Total payable over term£966,712

Indicative only. Interest-only total includes the capital still owed at the end of term (repaid via sale, refinance or other capital). Your case may price higher or lower.

How commercial mortgage payments work

On a repayment (capital & interest) mortgage, each payment clears the interest for the month and chips away at the balance, so the loan is fully repaid by the end of the term. On interest-only, you pay just the interest each month and repay the capital at the end — usually from sale, refinance or other capital — so the monthly cost is lower but the debt does not reduce.

Pricing on a commercial mortgage turns on the strength of the business, the property type, the loan-to-value and the term. Rates are typically set over a reference rate, and many commercial deals are on shorter terms with a balloon at the end. We shop the whole market to match the right lender to your case.

What moves your rate

  • Loan-to-value — a bigger deposit sharpens the rate
  • Owner-occupied vs investment (and tenant strength)
  • Property type and condition
  • Trading history and affordability / debt service cover

Tell us the deal and we shop 100+ lenders for the best rate and structure for your commercial mortgage.

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Vortex Finance is a whole-of-market broker, not a lender, for business-purpose property finance. The finance we arrange is for business or investment purposes and is not regulated by the Financial Conduct Authority. All rates and figures shown are indicative and subject to lender approval, valuation and your circumstances.