UK commercial mortgage calculator
Estimate commercial property finance in pounds. Compare capital-and-interest payments with interest only and check the balance due at the end.
See the payments and the balance.
Monthly estimates from your assumptions.
Amount borrowed; fees below are paid separately.
Enter your assumed nominal rate, not APR or APRC. It stays fixed in this estimate.
Whole years over which regular payments would clear the loan. Not used for interest only.
Whole years until contractual maturity, not the end of a fixed-rate deal. A shorter term leaves a final balance.
Optional arrangement, valuation or legal fees you enter. Paid upfront, not added to the loan.
All calculations run in your browser. Financial inputs are not sent to Locus analytics or carried into location research.
View amortisation schedule · 300 monthly payments
| Month | Payment | Interest | Capital | Balance |
|---|---|---|---|---|
| 1 | £3,221.51 | £2,500.00 | £721.51 | £499,278.49 |
| 2 | £3,221.51 | £2,496.39 | £725.12 | £498,553.37 |
| 3 | £3,221.51 | £2,492.77 | £728.74 | £497,824.63 |
| 4 | £3,221.51 | £2,489.12 | £732.39 | £497,092.24 |
| 5 | £3,221.51 | £2,485.46 | £736.05 | £496,356.19 |
| 6 | £3,221.51 | £2,481.78 | £739.73 | £495,616.46 |
| 7 | £3,221.51 | £2,478.08 | £743.43 | £494,873.03 |
| 8 | £3,221.51 | £2,474.37 | £747.14 | £494,125.89 |
| 9 | £3,221.51 | £2,470.63 | £750.88 | £493,375.01 |
| 10 | £3,221.51 | £2,466.88 | £754.63 | £492,620.38 |
| 11 | £3,221.51 | £2,463.10 | £758.41 | £491,861.97 |
| 12 | £3,221.51 | £2,459.31 | £762.20 | £491,099.77 |
| 13 | £3,221.51 | £2,455.50 | £766.01 | £490,333.76 |
| 14 | £3,221.51 | £2,451.67 | £769.84 | £489,563.92 |
| 15 | £3,221.51 | £2,447.82 | £773.69 | £488,790.23 |
| 16 | £3,221.51 | £2,443.95 | £777.56 | £488,012.67 |
| 17 | £3,221.51 | £2,440.06 | £781.45 | £487,231.22 |
| 18 | £3,221.51 | £2,436.16 | £785.35 | £486,445.87 |
| 19 | £3,221.51 | £2,432.23 | £789.28 | £485,656.59 |
| 20 | £3,221.51 | £2,428.28 | £793.23 | £484,863.36 |
| 21 | £3,221.51 | £2,424.32 | £797.19 | £484,066.17 |
| 22 | £3,221.51 | £2,420.33 | £801.18 | £483,264.99 |
| 23 | £3,221.51 | £2,416.32 | £805.19 | £482,459.80 |
| 24 | £3,221.51 | £2,412.30 | £809.21 | £481,650.59 |
| 25 | £3,221.51 | £2,408.25 | £813.26 | £480,837.33 |
| 26 | £3,221.51 | £2,404.19 | £817.32 | £480,020.01 |
| 27 | £3,221.51 | £2,400.10 | £821.41 | £479,198.60 |
| 28 | £3,221.51 | £2,395.99 | £825.52 | £478,373.08 |
| 29 | £3,221.51 | £2,391.87 | £829.64 | £477,543.44 |
| 30 | £3,221.51 | £2,387.72 | £833.79 | £476,709.65 |
| 31 | £3,221.51 | £2,383.55 | £837.96 | £475,871.69 |
| 32 | £3,221.51 | £2,379.36 | £842.15 | £475,029.54 |
| 33 | £3,221.51 | £2,375.15 | £846.36 | £474,183.18 |
| 34 | £3,221.51 | £2,370.92 | £850.59 | £473,332.59 |
| 35 | £3,221.51 | £2,366.66 | £854.85 | £472,477.74 |
| 36 | £3,221.51 | £2,362.39 | £859.12 | £471,618.62 |
| 37 | £3,221.51 | £2,358.09 | £863.42 | £470,755.20 |
| 38 | £3,221.51 | £2,353.78 | £867.73 | £469,887.47 |
| 39 | £3,221.51 | £2,349.44 | £872.07 | £469,015.40 |
| 40 | £3,221.51 | £2,345.08 | £876.43 | £468,138.97 |
| 41 | £3,221.51 | £2,340.69 | £880.82 | £467,258.15 |
| 42 | £3,221.51 | £2,336.29 | £885.22 | £466,372.93 |
| 43 | £3,221.51 | £2,331.86 | £889.65 | £465,483.28 |
| 44 | £3,221.51 | £2,327.42 | £894.09 | £464,589.19 |
| 45 | £3,221.51 | £2,322.95 | £898.56 | £463,690.63 |
| 46 | £3,221.51 | £2,318.45 | £903.06 | £462,787.57 |
| 47 | £3,221.51 | £2,313.94 | £907.57 | £461,880.00 |
| 48 | £3,221.51 | £2,309.40 | £912.11 | £460,967.89 |
| 49 | £3,221.51 | £2,304.84 | £916.67 | £460,051.22 |
| 50 | £3,221.51 | £2,300.26 | £921.25 | £459,129.97 |
| 51 | £3,221.51 | £2,295.65 | £925.86 | £458,204.11 |
| 52 | £3,221.51 | £2,291.02 | £930.49 | £457,273.62 |
| 53 | £3,221.51 | £2,286.37 | £935.14 | £456,338.48 |
| 54 | £3,221.51 | £2,281.69 | £939.82 | £455,398.66 |
| 55 | £3,221.51 | £2,276.99 | £944.52 | £454,454.14 |
| 56 | £3,221.51 | £2,272.27 | £949.24 | £453,504.90 |
| 57 | £3,221.51 | £2,267.52 | £953.99 | £452,550.91 |
| 58 | £3,221.51 | £2,262.75 | £958.76 | £451,592.15 |
| 59 | £3,221.51 | £2,257.96 | £963.55 | £450,628.60 |
| 60 | £3,221.51 | £2,253.14 | £968.37 | £449,660.23 |
| 61 | £3,221.51 | £2,248.30 | £973.21 | £448,687.02 |
| 62 | £3,221.51 | £2,243.44 | £978.07 | £447,708.95 |
| 63 | £3,221.51 | £2,238.54 | £982.97 | £446,725.98 |
| 64 | £3,221.51 | £2,233.63 | £987.88 | £445,738.10 |
| 65 | £3,221.51 | £2,228.69 | £992.82 | £444,745.28 |
| 66 | £3,221.51 | £2,223.73 | £997.78 | £443,747.50 |
| 67 | £3,221.51 | £2,218.74 | £1,002.77 | £442,744.73 |
| 68 | £3,221.51 | £2,213.72 | £1,007.79 | £441,736.94 |
| 69 | £3,221.51 | £2,208.68 | £1,012.83 | £440,724.11 |
| 70 | £3,221.51 | £2,203.62 | £1,017.89 | £439,706.22 |
| 71 | £3,221.51 | £2,198.53 | £1,022.98 | £438,683.24 |
| 72 | £3,221.51 | £2,193.42 | £1,028.09 | £437,655.15 |
| 73 | £3,221.51 | £2,188.28 | £1,033.23 | £436,621.92 |
| 74 | £3,221.51 | £2,183.11 | £1,038.40 | £435,583.52 |
| 75 | £3,221.51 | £2,177.92 | £1,043.59 | £434,539.93 |
| 76 | £3,221.51 | £2,172.70 | £1,048.81 | £433,491.12 |
| 77 | £3,221.51 | £2,167.46 | £1,054.05 | £432,437.07 |
| 78 | £3,221.51 | £2,162.19 | £1,059.32 | £431,377.75 |
| 79 | £3,221.51 | £2,156.89 | £1,064.62 | £430,313.13 |
| 80 | £3,221.51 | £2,151.57 | £1,069.94 | £429,243.19 |
| 81 | £3,221.51 | £2,146.22 | £1,075.29 | £428,167.90 |
| 82 | £3,221.51 | £2,140.84 | £1,080.67 | £427,087.23 |
| 83 | £3,221.51 | £2,135.44 | £1,086.07 | £426,001.16 |
| 84 | £3,221.51 | £2,130.01 | £1,091.50 | £424,909.66 |
| 85 | £3,221.51 | £2,124.55 | £1,096.96 | £423,812.70 |
| 86 | £3,221.51 | £2,119.06 | £1,102.45 | £422,710.25 |
| 87 | £3,221.51 | £2,113.55 | £1,107.96 | £421,602.29 |
| 88 | £3,221.51 | £2,108.01 | £1,113.50 | £420,488.79 |
| 89 | £3,221.51 | £2,102.44 | £1,119.07 | £419,369.72 |
| 90 | £3,221.51 | £2,096.85 | £1,124.66 | £418,245.06 |
| 91 | £3,221.51 | £2,091.23 | £1,130.28 | £417,114.78 |
| 92 | £3,221.51 | £2,085.57 | £1,135.94 | £415,978.84 |
| 93 | £3,221.51 | £2,079.89 | £1,141.62 | £414,837.22 |
| 94 | £3,221.51 | £2,074.19 | £1,147.32 | £413,689.90 |
| 95 | £3,221.51 | £2,068.45 | £1,153.06 | £412,536.84 |
| 96 | £3,221.51 | £2,062.68 | £1,158.83 | £411,378.01 |
| 97 | £3,221.51 | £2,056.89 | £1,164.62 | £410,213.39 |
| 98 | £3,221.51 | £2,051.07 | £1,170.44 | £409,042.95 |
| 99 | £3,221.51 | £2,045.21 | £1,176.30 | £407,866.65 |
| 100 | £3,221.51 | £2,039.33 | £1,182.18 | £406,684.47 |
| 101 | £3,221.51 | £2,033.42 | £1,188.09 | £405,496.38 |
| 102 | £3,221.51 | £2,027.48 | £1,194.03 | £404,302.35 |
| 103 | £3,221.51 | £2,021.51 | £1,200.00 | £403,102.35 |
| 104 | £3,221.51 | £2,015.51 | £1,206.00 | £401,896.35 |
| 105 | £3,221.51 | £2,009.48 | £1,212.03 | £400,684.32 |
| 106 | £3,221.51 | £2,003.42 | £1,218.09 | £399,466.23 |
| 107 | £3,221.51 | £1,997.33 | £1,224.18 | £398,242.05 |
| 108 | £3,221.51 | £1,991.21 | £1,230.30 | £397,011.75 |
| 109 | £3,221.51 | £1,985.06 | £1,236.45 | £395,775.30 |
| 110 | £3,221.51 | £1,978.88 | £1,242.63 | £394,532.67 |
| 111 | £3,221.51 | £1,972.66 | £1,248.85 | £393,283.82 |
| 112 | £3,221.51 | £1,966.42 | £1,255.09 | £392,028.73 |
| 113 | £3,221.51 | £1,960.14 | £1,261.37 | £390,767.36 |
| 114 | £3,221.51 | £1,953.84 | £1,267.67 | £389,499.69 |
| 115 | £3,221.51 | £1,947.50 | £1,274.01 | £388,225.68 |
| 116 | £3,221.51 | £1,941.13 | £1,280.38 | £386,945.30 |
| 117 | £3,221.51 | £1,934.73 | £1,286.78 | £385,658.52 |
| 118 | £3,221.51 | £1,928.29 | £1,293.22 | £384,365.30 |
| 119 | £3,221.51 | £1,921.83 | £1,299.68 | £383,065.62 |
| 120 | £3,221.51 | £1,915.33 | £1,306.18 | £381,759.44 |
| 121 | £3,221.51 | £1,908.80 | £1,312.71 | £380,446.73 |
| 122 | £3,221.51 | £1,902.23 | £1,319.28 | £379,127.45 |
| 123 | £3,221.51 | £1,895.64 | £1,325.87 | £377,801.58 |
| 124 | £3,221.51 | £1,889.01 | £1,332.50 | £376,469.08 |
| 125 | £3,221.51 | £1,882.35 | £1,339.16 | £375,129.92 |
| 126 | £3,221.51 | £1,875.65 | £1,345.86 | £373,784.06 |
| 127 | £3,221.51 | £1,868.92 | £1,352.59 | £372,431.47 |
| 128 | £3,221.51 | £1,862.16 | £1,359.35 | £371,072.12 |
| 129 | £3,221.51 | £1,855.36 | £1,366.15 | £369,705.97 |
| 130 | £3,221.51 | £1,848.53 | £1,372.98 | £368,332.99 |
| 131 | £3,221.51 | £1,841.66 | £1,379.85 | £366,953.14 |
| 132 | £3,221.51 | £1,834.77 | £1,386.74 | £365,566.40 |
| 133 | £3,221.51 | £1,827.83 | £1,393.68 | £364,172.72 |
| 134 | £3,221.51 | £1,820.86 | £1,400.65 | £362,772.07 |
| 135 | £3,221.51 | £1,813.86 | £1,407.65 | £361,364.42 |
| 136 | £3,221.51 | £1,806.82 | £1,414.69 | £359,949.73 |
| 137 | £3,221.51 | £1,799.75 | £1,421.76 | £358,527.97 |
| 138 | £3,221.51 | £1,792.64 | £1,428.87 | £357,099.10 |
| 139 | £3,221.51 | £1,785.50 | £1,436.01 | £355,663.09 |
| 140 | £3,221.51 | £1,778.32 | £1,443.19 | £354,219.90 |
| 141 | £3,221.51 | £1,771.10 | £1,450.41 | £352,769.49 |
| 142 | £3,221.51 | £1,763.85 | £1,457.66 | £351,311.83 |
| 143 | £3,221.51 | £1,756.56 | £1,464.95 | £349,846.88 |
| 144 | £3,221.51 | £1,749.23 | £1,472.28 | £348,374.60 |
| 145 | £3,221.51 | £1,741.87 | £1,479.64 | £346,894.96 |
| 146 | £3,221.51 | £1,734.47 | £1,487.04 | £345,407.92 |
| 147 | £3,221.51 | £1,727.04 | £1,494.47 | £343,913.45 |
| 148 | £3,221.51 | £1,719.57 | £1,501.94 | £342,411.51 |
| 149 | £3,221.51 | £1,712.06 | £1,509.45 | £340,902.06 |
| 150 | £3,221.51 | £1,704.51 | £1,517.00 | £339,385.06 |
| 151 | £3,221.51 | £1,696.93 | £1,524.58 | £337,860.48 |
| 152 | £3,221.51 | £1,689.30 | £1,532.21 | £336,328.27 |
| 153 | £3,221.51 | £1,681.64 | £1,539.87 | £334,788.40 |
| 154 | £3,221.51 | £1,673.94 | £1,547.57 | £333,240.83 |
| 155 | £3,221.51 | £1,666.20 | £1,555.31 | £331,685.52 |
| 156 | £3,221.51 | £1,658.43 | £1,563.08 | £330,122.44 |
| 157 | £3,221.51 | £1,650.61 | £1,570.90 | £328,551.54 |
| 158 | £3,221.51 | £1,642.76 | £1,578.75 | £326,972.79 |
| 159 | £3,221.51 | £1,634.86 | £1,586.65 | £325,386.14 |
| 160 | £3,221.51 | £1,626.93 | £1,594.58 | £323,791.56 |
| 161 | £3,221.51 | £1,618.96 | £1,602.55 | £322,189.01 |
| 162 | £3,221.51 | £1,610.95 | £1,610.56 | £320,578.45 |
| 163 | £3,221.51 | £1,602.89 | £1,618.62 | £318,959.83 |
| 164 | £3,221.51 | £1,594.80 | £1,626.71 | £317,333.12 |
| 165 | £3,221.51 | £1,586.67 | £1,634.84 | £315,698.28 |
| 166 | £3,221.51 | £1,578.49 | £1,643.02 | £314,055.26 |
| 167 | £3,221.51 | £1,570.28 | £1,651.23 | £312,404.03 |
| 168 | £3,221.51 | £1,562.02 | £1,659.49 | £310,744.54 |
| 169 | £3,221.51 | £1,553.72 | £1,667.79 | £309,076.75 |
| 170 | £3,221.51 | £1,545.38 | £1,676.13 | £307,400.62 |
| 171 | £3,221.51 | £1,537.00 | £1,684.51 | £305,716.11 |
| 172 | £3,221.51 | £1,528.58 | £1,692.93 | £304,023.18 |
| 173 | £3,221.51 | £1,520.12 | £1,701.39 | £302,321.79 |
| 174 | £3,221.51 | £1,511.61 | £1,709.90 | £300,611.89 |
| 175 | £3,221.51 | £1,503.06 | £1,718.45 | £298,893.44 |
| 176 | £3,221.51 | £1,494.47 | £1,727.04 | £297,166.40 |
| 177 | £3,221.51 | £1,485.83 | £1,735.68 | £295,430.72 |
| 178 | £3,221.51 | £1,477.15 | £1,744.36 | £293,686.36 |
| 179 | £3,221.51 | £1,468.43 | £1,753.08 | £291,933.28 |
| 180 | £3,221.51 | £1,459.67 | £1,761.84 | £290,171.44 |
| 181 | £3,221.51 | £1,450.86 | £1,770.65 | £288,400.79 |
| 182 | £3,221.51 | £1,442.00 | £1,779.51 | £286,621.28 |
| 183 | £3,221.51 | £1,433.11 | £1,788.40 | £284,832.88 |
| 184 | £3,221.51 | £1,424.16 | £1,797.35 | £283,035.53 |
| 185 | £3,221.51 | £1,415.18 | £1,806.33 | £281,229.20 |
| 186 | £3,221.51 | £1,406.15 | £1,815.36 | £279,413.84 |
| 187 | £3,221.51 | £1,397.07 | £1,824.44 | £277,589.40 |
| 188 | £3,221.51 | £1,387.95 | £1,833.56 | £275,755.84 |
| 189 | £3,221.51 | £1,378.78 | £1,842.73 | £273,913.11 |
| 190 | £3,221.51 | £1,369.57 | £1,851.94 | £272,061.17 |
| 191 | £3,221.51 | £1,360.31 | £1,861.20 | £270,199.97 |
| 192 | £3,221.51 | £1,351.00 | £1,870.51 | £268,329.46 |
| 193 | £3,221.51 | £1,341.65 | £1,879.86 | £266,449.60 |
| 194 | £3,221.51 | £1,332.25 | £1,889.26 | £264,560.34 |
| 195 | £3,221.51 | £1,322.80 | £1,898.71 | £262,661.63 |
| 196 | £3,221.51 | £1,313.31 | £1,908.20 | £260,753.43 |
| 197 | £3,221.51 | £1,303.77 | £1,917.74 | £258,835.69 |
| 198 | £3,221.51 | £1,294.18 | £1,927.33 | £256,908.36 |
| 199 | £3,221.51 | £1,284.54 | £1,936.97 | £254,971.39 |
| 200 | £3,221.51 | £1,274.86 | £1,946.65 | £253,024.74 |
| 201 | £3,221.51 | £1,265.12 | £1,956.39 | £251,068.35 |
| 202 | £3,221.51 | £1,255.34 | £1,966.17 | £249,102.18 |
| 203 | £3,221.51 | £1,245.51 | £1,976.00 | £247,126.18 |
| 204 | £3,221.51 | £1,235.63 | £1,985.88 | £245,140.30 |
| 205 | £3,221.51 | £1,225.70 | £1,995.81 | £243,144.49 |
| 206 | £3,221.51 | £1,215.72 | £2,005.79 | £241,138.70 |
| 207 | £3,221.51 | £1,205.69 | £2,015.82 | £239,122.88 |
| 208 | £3,221.51 | £1,195.61 | £2,025.90 | £237,096.98 |
| 209 | £3,221.51 | £1,185.48 | £2,036.03 | £235,060.95 |
| 210 | £3,221.51 | £1,175.30 | £2,046.21 | £233,014.74 |
| 211 | £3,221.51 | £1,165.07 | £2,056.44 | £230,958.30 |
| 212 | £3,221.51 | £1,154.79 | £2,066.72 | £228,891.58 |
| 213 | £3,221.51 | £1,144.46 | £2,077.05 | £226,814.53 |
| 214 | £3,221.51 | £1,134.07 | £2,087.44 | £224,727.09 |
| 215 | £3,221.51 | £1,123.64 | £2,097.87 | £222,629.22 |
| 216 | £3,221.51 | £1,113.15 | £2,108.36 | £220,520.86 |
| 217 | £3,221.51 | £1,102.60 | £2,118.91 | £218,401.95 |
| 218 | £3,221.51 | £1,092.01 | £2,129.50 | £216,272.45 |
| 219 | £3,221.51 | £1,081.36 | £2,140.15 | £214,132.30 |
| 220 | £3,221.51 | £1,070.66 | £2,150.85 | £211,981.45 |
| 221 | £3,221.51 | £1,059.91 | £2,161.60 | £209,819.85 |
| 222 | £3,221.51 | £1,049.10 | £2,172.41 | £207,647.44 |
| 223 | £3,221.51 | £1,038.24 | £2,183.27 | £205,464.17 |
| 224 | £3,221.51 | £1,027.32 | £2,194.19 | £203,269.98 |
| 225 | £3,221.51 | £1,016.35 | £2,205.16 | £201,064.82 |
| 226 | £3,221.51 | £1,005.32 | £2,216.19 | £198,848.63 |
| 227 | £3,221.51 | £994.24 | £2,227.27 | £196,621.36 |
| 228 | £3,221.51 | £983.11 | £2,238.40 | £194,382.96 |
| 229 | £3,221.51 | £971.91 | £2,249.60 | £192,133.36 |
| 230 | £3,221.51 | £960.67 | £2,260.84 | £189,872.52 |
| 231 | £3,221.51 | £949.36 | £2,272.15 | £187,600.37 |
| 232 | £3,221.51 | £938.00 | £2,283.51 | £185,316.86 |
| 233 | £3,221.51 | £926.58 | £2,294.93 | £183,021.93 |
| 234 | £3,221.51 | £915.11 | £2,306.40 | £180,715.53 |
| 235 | £3,221.51 | £903.58 | £2,317.93 | £178,397.60 |
| 236 | £3,221.51 | £891.99 | £2,329.52 | £176,068.08 |
| 237 | £3,221.51 | £880.34 | £2,341.17 | £173,726.91 |
| 238 | £3,221.51 | £868.63 | £2,352.88 | £171,374.03 |
| 239 | £3,221.51 | £856.87 | £2,364.64 | £169,009.39 |
| 240 | £3,221.51 | £845.05 | £2,376.46 | £166,632.93 |
| 241 | £3,221.51 | £833.16 | £2,388.35 | £164,244.58 |
| 242 | £3,221.51 | £821.22 | £2,400.29 | £161,844.29 |
| 243 | £3,221.51 | £809.22 | £2,412.29 | £159,432.00 |
| 244 | £3,221.51 | £797.16 | £2,424.35 | £157,007.65 |
| 245 | £3,221.51 | £785.04 | £2,436.47 | £154,571.18 |
| 246 | £3,221.51 | £772.86 | £2,448.65 | £152,122.53 |
| 247 | £3,221.51 | £760.61 | £2,460.90 | £149,661.63 |
| 248 | £3,221.51 | £748.31 | £2,473.20 | £147,188.43 |
| 249 | £3,221.51 | £735.94 | £2,485.57 | £144,702.86 |
| 250 | £3,221.51 | £723.51 | £2,498.00 | £142,204.86 |
| 251 | £3,221.51 | £711.02 | £2,510.49 | £139,694.37 |
| 252 | £3,221.51 | £698.47 | £2,523.04 | £137,171.33 |
| 253 | £3,221.51 | £685.86 | £2,535.65 | £134,635.68 |
| 254 | £3,221.51 | £673.18 | £2,548.33 | £132,087.35 |
| 255 | £3,221.51 | £660.44 | £2,561.07 | £129,526.28 |
| 256 | £3,221.51 | £647.63 | £2,573.88 | £126,952.40 |
| 257 | £3,221.51 | £634.76 | £2,586.75 | £124,365.65 |
| 258 | £3,221.51 | £621.83 | £2,599.68 | £121,765.97 |
| 259 | £3,221.51 | £608.83 | £2,612.68 | £119,153.29 |
| 260 | £3,221.51 | £595.77 | £2,625.74 | £116,527.55 |
| 261 | £3,221.51 | £582.64 | £2,638.87 | £113,888.68 |
| 262 | £3,221.51 | £569.44 | £2,652.07 | £111,236.61 |
| 263 | £3,221.51 | £556.18 | £2,665.33 | £108,571.28 |
| 264 | £3,221.51 | £542.86 | £2,678.65 | £105,892.63 |
| 265 | £3,221.51 | £529.46 | £2,692.05 | £103,200.58 |
| 266 | £3,221.51 | £516.00 | £2,705.51 | £100,495.07 |
| 267 | £3,221.51 | £502.48 | £2,719.03 | £97,776.04 |
| 268 | £3,221.51 | £488.88 | £2,732.63 | £95,043.41 |
| 269 | £3,221.51 | £475.22 | £2,746.29 | £92,297.12 |
| 270 | £3,221.51 | £461.49 | £2,760.02 | £89,537.10 |
| 271 | £3,221.51 | £447.69 | £2,773.82 | £86,763.28 |
| 272 | £3,221.51 | £433.82 | £2,787.69 | £83,975.59 |
| 273 | £3,221.51 | £419.88 | £2,801.63 | £81,173.96 |
| 274 | £3,221.51 | £405.87 | £2,815.64 | £78,358.32 |
| 275 | £3,221.51 | £391.79 | £2,829.72 | £75,528.60 |
| 276 | £3,221.51 | £377.64 | £2,843.87 | £72,684.73 |
| 277 | £3,221.51 | £363.42 | £2,858.09 | £69,826.64 |
| 278 | £3,221.51 | £349.13 | £2,872.38 | £66,954.26 |
| 279 | £3,221.51 | £334.77 | £2,886.74 | £64,067.52 |
| 280 | £3,221.51 | £320.34 | £2,901.17 | £61,166.35 |
| 281 | £3,221.51 | £305.83 | £2,915.68 | £58,250.67 |
| 282 | £3,221.51 | £291.25 | £2,930.26 | £55,320.41 |
| 283 | £3,221.51 | £276.60 | £2,944.91 | £52,375.50 |
| 284 | £3,221.51 | £261.88 | £2,959.63 | £49,415.87 |
| 285 | £3,221.51 | £247.08 | £2,974.43 | £46,441.44 |
| 286 | £3,221.51 | £232.21 | £2,989.30 | £43,452.14 |
| 287 | £3,221.51 | £217.26 | £3,004.25 | £40,447.89 |
| 288 | £3,221.51 | £202.24 | £3,019.27 | £37,428.62 |
| 289 | £3,221.51 | £187.14 | £3,034.37 | £34,394.25 |
| 290 | £3,221.51 | £171.97 | £3,049.54 | £31,344.71 |
| 291 | £3,221.51 | £156.72 | £3,064.79 | £28,279.92 |
| 292 | £3,221.51 | £141.40 | £3,080.11 | £25,199.81 |
| 293 | £3,221.51 | £126.00 | £3,095.51 | £22,104.30 |
| 294 | £3,221.51 | £110.52 | £3,110.99 | £18,993.31 |
| 295 | £3,221.51 | £94.97 | £3,126.54 | £15,866.77 |
| 296 | £3,221.51 | £79.33 | £3,142.18 | £12,724.59 |
| 297 | £3,221.51 | £63.62 | £3,157.89 | £9,566.70 |
| 298 | £3,221.51 | £47.83 | £3,173.68 | £6,393.02 |
| 299 | £3,221.51 | £31.97 | £3,189.54 | £3,203.48 |
| 300 | £3,219.50 | £16.02 | £3,203.48 | £0.00 |
What this estimate includes
Fixed annual nominal rate divided by 12, equal monthly periods and payments at month-end. Interest and payments round to pence each month; the final full-repayment payment clears any rounding residue. These are model assumptions, not a universal UK lender convention.
Compare with your lender’s schedule. Actual/360, actual/365 or daily interest, variable rates, payment holidays, extra repayments, financed fees and part-and-part loans are not modelled. Taxes, insurance and other ownership or closing costs are excluded unless you enter them in upfront fees. This is not an APR/APRC calculation.
General planning information, not financial advice, a lending offer, an affordability assessment or an approval prediction. Locus does not arrange lending through this calculator. Check repayment terms and all costs with your lender or qualified adviser. Your commercial property may be at risk if repayments are not maintained.
UK terminology and repayment explanations: NatWest commercial mortgages and YBS commercial interest-only guide. Sources checked 29 October 2026. Rates shown in the reset example are invented assumptions, not current lending rates.
Switch to the US dollar commercial loan calculator. For premises costs, use the commercial lease comparison.
Useful to know
A few common questions.
Understand the result before making your next move.
What is the difference between repayment and interest only?
Capital-and-interest payments reduce the balance over the full repayment period. Interest-only payments cover interest without reducing the original amount borrowed, which remains due at the end. Availability and a suitable repayment strategy depend on the lender; this calculator does not assess eligibility.
Why can a repayment mortgage still have a balance at term?
A shorter mortgage term than the full repayment period leaves capital outstanding at maturity. Set both periods to the same length to model full repayment by the end. The balance shown is due after the last monthly payment, and refinancing is not guaranteed.
Does this include arrangement fees, stamp duty or APRC?
Only the upfront fees you enter are added to total cash cost. They are paid separately rather than added to the loan. No stamp duty, other property taxes, insurance or lender charges are estimated automatically. The entered rate is nominal, not APRC, and daily-interest or variable-rate schedules can differ.
Can I get a lender quote or affordability decision here?
No. These are general planning calculations using your assumptions, not financial advice, a lending offer or an approval prediction. Check your lender’s repayment schedule, terms and costs with a qualified adviser.
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