Tool
Commercial mortgage affordability calculator.
Lenders do not size a commercial loan on the pay rate. Model the stressed rate and the coverage ratio to see the borrowing your income actually supports.
This calculator estimates how large a commercial mortgage your income can support. Lenders size loans on a stressed interest rate and a minimum coverage ratio, not the rate you will pay. Enter your rental or trading income and the stress assumptions to see the maximum loan those tests allow.
Your deal
Defaults to pay rate + 2%.
Your figures
Actual maximum loan
£997,921
Bound by income cover.
Your loan is capped by income, not by LTV. A higher deposit will not increase the loan — improving the rent or the covenant will.
- Maximum loan on income
- £997,921
- Maximum loan on LTV
- £1,050,000
- Resulting LTV
- 66.53%
- Monthly payment at pay rate
- £7,213
- Monthly payment at stress rate
- £8,546
- ICR achieved at pay rate
- 165.86%
- ICR achieved at stress rate
- 130%
- Deposit required
- £502,079
This calculator is for illustration only. It is not a quote, an offer, or a decision in principle, and it does not account for valuation fees, legal costs or lender-specific charges. Figures should be confirmed before you rely on them.
Results are illustrative only and are not an offer of finance. Actual terms depend on the property, the borrower and the lender.
Discuss a dealHow this is calculated
The maximum loan is the amount at which your income, divided by the annual interest at the stress rate, still meets the coverage ratio you enter. Changing the stress rate or the ratio shows how sensitive your borrowing is to the lender's assumptions.
For how stress rates, ICR and DSCR are applied, and what lenders want to see in your accounts, read the full commercial mortgages guide.
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