Commercial mortgage repayment calculator
Work out the indicative monthly payment, total interest and total repayable on a commercial mortgage for a pub. Enter your loan amount, rate and term.
- Total interest·
- Total repayable·
Indicative only. Not a quote, an offer or financial advice.
Commercial finance of this kind is not regulated by the Financial Conduct Authority. Any figures produced here are indicative only, not a quote or financial advice, and are subject to status, valuation and full lender approval. Take independent professional advice before borrowing.
What this calculator shows
Enter the loan amount you need, the interest rate you expect and the term over which you want to repay, and we show the indicative monthly payment, the total interest over the life of the loan and the total amount repayable. On a capital and interest basis each payment chips away at the balance, so the loan clears by the end of the term. On an interest-only basis you pay only the interest each month and the capital is repaid or refinanced at the end.
The rate is yours to set, because we do not publish fixed rates: the right number on a pub depends on the property, the trade behind it, the term and your own profile. Use a rate you have been quoted, or model a range to see how sensitive the payment is to it.
What lenders look at
On a pub a lender is not only pricing the bricks and mortar. It is looking at the trade that services the debt, whether that is a wet-led community local, a food-led gastropub with a strong kitchen split, a freehold free house run by the owner or a leasehold site held on a tied or free-of-tie basis. The monthly payment this tool produces is the figure that trade has to cover comfortably, which is why affordability and debt service cover sit alongside the headline rate.
Term matters too. A longer term lowers the monthly payment but increases the total interest paid; a shorter term does the reverse. We help owners weigh that trade-off against the cash the business can sustainably commit each month.
Questions
How is a commercial mortgage repayment calculated?
On a capital and interest basis the monthly payment is calculated from the loan amount, the monthly interest rate and the number of months in the term, so that the loan clears exactly at the end of the term. On an interest-only basis the monthly payment is simply the loan amount multiplied by the monthly interest rate, with the capital repaid or refinanced at the end. This calculator does both.
Are these figures a quote?
No. The figures are indicative and depend on the rate, term and amount you enter. The actual rate, fees and structure available on a pub depend on the property, the trade and lender appetite, and are confirmed only after a full review. Treat the output as a planning estimate, not an offer.
Should I choose capital and interest or interest only?
Capital and interest repays the loan over the term and is the most common structure for an owner-operated pub. Interest only keeps monthly payments lower but leaves the full capital outstanding at the end, so it suits specific situations and needs a credible repayment plan. We talk this through as part of structuring the right facility.
Talk to us about your deal
A calculator is a starting point. Tell us about the property and what you want to do, and we will come back with indicative terms, with no obligation.