Mortgage Insurance Calculators About How it Works
   Back | How it Works
Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier
1Get in Touch
Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.
2Submit Your Application
Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.
3Mortgage Completion
Revolution Finance Brokers will finalise the details and enable you to move forward without delay!
   Back | About
   Back | Insurance
   Back | Calculators
   Back | Your Mortgage Position
Your Mortgage Position
Bad Credit
Buy to Let
Development Finance
Self Employed
Mortgage for professionals
Equity Release
Expat mortgages
Interest Only
Mortgage Affordability
Mortgage Application
Income Types
Residential Mortgages
Commercial Mortgages
Property Types
First Time Buyers
Mortgage Declined
Offset Mortgage
   Back|Bad Credit
   Back|Buy to Let
   Back|Self Employed
   Back|Equity Release
   Back|Expat Mortgage
   Back|Interest Only
   Back|Income Types
   Back|Property Types
   Back|Offset Mortgage
   Back|Other Mortgages


Commercial Mortgage Calculator

Commercial mortgage Finance Calculator by Revolution Brokers:

Working out how much your mortgage repayments will be each month can seem complicated! Use our Mortgage Repayment Calculator to make it simple to understand and compare costs

Property or loan details

Error: Property must be valued at £50,000 or more.

Error: Estimated rental income must be between £1 and £99,999.

Based on your details, you can borrow up to:


This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Why Revolution Brokers?

Whole of market brokers Whole of market brokers

Mortgage that suits you Mortgage that suits you

On time customer support On time customer support

Whether you are considering a commercial mortgage to refinance and raise capital, or wish to expand your investment portfolio, choosing your commercial mortgage is a long-term decision.

The Revolution Brokers commercial mortgage calculator helps you instantly compare different mortgage rates and different investment scenarios to help you understand the best course of action.

LTV ratios on commercial properties

One of the most crucial factors in securing a commercial mortgage is the loan to value ratio. This is the comparison of the value of the property and your annual mortgage repayments against the future revenues generated by rental income.

This factor is essential, as many lenders will base their commercial mortgage offers against a capped LTV ratio.

When you complete the commercial mortgage calculator information, be sure to let us know the purchase price of the property, or the valuation if you are mortgaging against existing property. The estimated monthly rental income will help us to calculate the mortgage options available instantly.

Bear in mind that the lower the LTV value, typically the more economical the associated interest rates since the risk to the lender is more moderate.

Interest cover ratios (ICRs) on commercial mortgages

The interest cover ratio (ICR) is another calculation you will come across when considering commercial mortgage rates. This ratio uses the revenue created by your investment compared to the interest incurred over the same period.

Mortgage lenders need to complete an affordability assessment before extending any offers of lending, so this calculation makes sure that your commercial mortgage is affordable.

As an indication, an ICR of two or more is usually considered acceptable. The criteria for ICR vary between lenders, and they may have other measures that are considered more valuable.

Choosing how much to apply for on a commercial mortgage

Our calculator will instantly tell you what level of mortgage offer we anticipate you will be able to secure against your property.

This takes into account several different factors including:

  • The purpose of the mortgage - what you are raising finance for.
  • What your ICR is - the percentage indicates how the rental revenue compares to the repayment costs. For example, 140% means that your rental income will be to a value of 140% of the mortgage repayments.
  • How much the property is going to cost or is valued at.
  • What the monthly rental income is expected to be.

How to use the Revolution Brokers commercial mortgage calculator

  1. Let us know what your borrowing is for. This could be for:
  • A property purchase
  • To raise capital
  • To remortgage without raising capital
  1. Tell us your anticipated ICR. Options include:
  • Personal or company commercial mortgage applications
  • Semi-commercial properties - i.e. part commercial and part residential
  • HMOs (houses of multiple occupancies) up to six beds or over six beds
  • Buy-to-let investment properties
  1. Enter the cost of the property or the value. If you are unsure, please use an estimated total, although you should be aware that the commercial mortgage options available may vary when the accurate value is known.
  2. Let us know your anticipated rental income from your property investment.

If the available options do not cover your commercial mortgage needs, please give us a call on 0330 304 3040, and we will be happy to provide a quick indication of your mortgage options.

Once you click the calculate button, you will receive an instant indication as to the value of mortgage we think will be available to you.

For specific commercial mortgage advice and a tailored quote, give Revolution Finance Brokers a call - we work with specialist lenders across the commercial mortgage market to offer outstanding deals and flexible terms.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Revolution Mortgage Brokers:100% 100%
Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

Refer, Relax

andget £50get £50
We are proud
members of the:
Refer, Relax

FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

Ask the Expert
Mortgage Brokers

Revolution Brokers
What can we help you with today?
Do you have a particular timescale in mind?
Which situation from the below list best matches your requirements? *
Could you tell us the market value of the property?*
Please let us know a rough idea of your yearly income (before tax) for all applicants? *
Primary applicant name *
Contact email address *
Best contact number *