Commercial Property Loan Calculator
Work out roughly what a commercial property loan costs each month before you talk to anyone. Punch in the loan amount, an indicative rate, the term, and whether you want principal and interest or interest-only. The tool returns an estimated repayment and the total interest over the term. It is a planning number, not an offer.
The calculator answers two questions. What are the repayments on a given commercial loan, and how does the cost change when the rate, term, or repayment type moves. Enter the amount you want to borrow, set an indicative interest rate, choose a loan term, and pick principal and interest or interest-only. The result shows the monthly repayment and the total interest paid across the term.
Treat every output as indicative. Commercial lending is priced deal by deal. A lender confirms the real rate, the loan-to-value ratio (LVR), and the fees only after it sees the security property, your trading position, and the purpose of the loan. The calculator cannot see any of that. It runs the standard amortisation maths on the numbers you give it.
How to use it
Start with the purchase price or refinance value of the property. A commercial loan usually funds up to around 70% to 75% LVR for an owner-occupier and 65% to 70% for an investment property, so the loan amount is rarely the full price. Subtract your deposit or available equity to get the figure to enter.
Pick an indicative rate next. Commercial property loans in Australia commonly sit around 6% to 9% per annum, with strong covenant and low LVR at the lower end and complex or specialised security higher. Use a rate in that band as a starting point.
Set the term. Commercial terms run anywhere from 3 to 25 years depending on the lender, and investment deals often carry an interest-only period. Toggle interest-only to see how the early repayments drop, then climb once principal repayments start.
Run two or three scenarios. Compare a 15-year principal and interest loan against a 5-year interest-only structure. Compare 6.5% against 8%. The point is to see how sensitive the repayment is to each input, so you know which lever matters most before a broker shops the deal.
Key facts
- Indicative commercial rate band: 6% to 9% p.a.
- Owner-occupier LVR: indicatively up to 70% to 75%.
- Investment LVR: indicatively 65% to 70%; specialised assets lower.
- Terms run 3 to 25 years; investment deals often carry an interest-only period.
- A longer term lowers the monthly repayment but raises total interest.
Full repayment widget (loan amount, indicative rate, term, principal & interest vs interest-only, total interest over term) to be implemented here. Indicative cost calculator below for now.
Indicative cost calculator
What affects your actual cost
Four inputs move the monthly figure: the loan amount, the rate, the term, and the repayment type. Several real-world factors move the rate behind it.
The big one. A loan at 60% of value prices better than one at 75%. Lower leverage opens up cheaper lenders and stronger terms.
A trading business with two clean years of financials is a lower risk than a recently incorporated entity, and the rate reflects that.
A standard office, retail, or industrial unit is easier to value and resell than a specialised property such as a service station, a childcare centre, or a pub, which lifts the rate.
An owner-occupier buying its own premises is read differently from a passive investor, and that shapes both appetite and price.
Expect an establishment or application fee, a valuation fee that varies by property type and value, and the lender’s legal and settlement costs. None of these show in a repayment estimate, so budget for them separately.
Commercial lending in the Australian context
Commercial property lending is generally business-purpose finance. Lending wholly or predominantly for business or investment purposes (other than residential property investment by an individual) is generally not regulated under the National Consumer Credit Protection Act 2009. A signed business-purpose declaration is the standard evidence. That distinction matters because it shapes what documents a lender asks for and how quickly a deal can move.
Rates in this market are not posted on a shelf the way a home loan rate is. Banks, near-banks, and non-bank lenders each price the same deal differently based on appetite for the asset class, the LVR, and the strength of the borrower. The brand calculators you may have used, such as an ANZ or NAB commercial loan calculator, run the same amortisation maths this one does. They cannot tell you what that lender will actually offer on your specific property either. The only way to get a real number is an assessment against the actual security and your financials.
End to end, a commercial purchase typically runs an offer in 2 to 4 weeks and settlement in 4 to 8 weeks, faster on a clean owner-occupier deal and slower where the security is specialised or the income is harder to verify.
Why a broker beats a single bank quote
Your own bank shows you one commercial product priced on its own credit policy. If that policy does not like your asset class or your LVR, the answer is no, and you start again somewhere else. A broker takes one packaged case to a panel of bank and non-bank lenders at once, so you see real market choice rather than a single view.
Windsor Finance is a finance broker, not a lender. We hold no own capital and approve nothing. Lenders approve; we package the deal and place it with the one that fits on rate, leverage, and appetite. Because we have no balance sheet, there is no reason to push one lender over another. The recommendation follows the deal, arranged through a panel of bank and non-bank lenders.
There is no charge to get an indicative structure. Lender shortlisting and fit assessment cost nothing until you give the go-ahead to submit, and every cost is disclosed in writing, up front, before you commit. The purpose of each deal is confirmed in writing before it proceeds.
Frequently asked questions
Is the calculator result an approval or a quote? +
What interest rate should I enter? +
How much can I borrow against a commercial property? +
Should I model principal and interest or interest-only? +
Does this tool work for an SMSF commercial purchase? +
Talk to a broker for a real number
A calculator gives you a ballpark. A broker gives you a structure. Send us the property, the loan size, the purpose, and your rough timeline, and we return one or more indicative structures from suitable lenders within 24 to 48 hours, at no cost. Speak to a broker to get the deal framed properly.