Estimate your commercial property loan repayments. Compare interest-only vs principal & interest, check your LVR, and see the full amortisation schedule.
| Structure | Initial repayment | Total interest | Total cost |
|---|---|---|---|
| Principal & Interest(selected) | $3,675.25 | $582,576 | $1,102,576 |
| Interest Only (3yr IO then P&I) | $3,033.33 | $609,773 | $1,129,773 |
Interest-only costs $27,197 more in total interest over the life of this loan, but gives you $641.92 lower repayments during the IO period.
| Frequency | Repayment | Total interest | Total cost |
|---|---|---|---|
| Weekly | $847.44 | $581,666 | $1,101,666 |
| Fortnightly | $1,695.29 | $581,939 | $1,101,939 |
| Monthly(selected) | $3,675.25 | $582,576 | $1,102,576 |
Switching from monthly to weekly repayments could save you $909 in interest over the life of this loan.
Toggle between interest-only and principal & interest to see how each structure affects your cash flow. IO gives lower repayments upfront but costs more in total interest over the loan life.
Adjust the loan amount relative to the property value to see how LVR changes. Staying below 65% LVR typically gives access to better rates and fewer conditions.
Try different interest-only periods from 1 to 5 years. A longer IO period keeps repayments low for longer but means a shorter P&I period with higher repayments afterward.
Commercial property loans range from 5 to 30 years. A longer term reduces repayments but increases total interest. Most commercial loans settle on 15-25 year terms.
Lenders review your business profit and loss, balance sheet, and cash flow to assess serviceability. At least 2 years of financial statements are typically required.
The type of commercial property (office, retail, industrial) and its location affect the LVR, rate, and terms offered. Properties in established commercial areas are generally viewed more favourably.
For investment commercial property, lenders assess the rental income and lease terms. Long-term leases with strong tenants improve your borrowing capacity.
Most commercial lenders require at least 20-35% equity contribution. A lower LVR generally means a more competitive rate and fewer conditions on the loan.
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Results are estimates only and should not be relied upon for financial decisions. Actual commercial property loan repayments will depend on the lender, your credit profile, and the specific terms offered. Interest rates used are for illustration purposes only and may not reflect current market rates.
Subject to lender approval, terms and conditions apply.
This calculator is general information only and is not financial advice.