Commercial Property Loan Calculator
Plan your purchase of business premises with confidence. Use this mortgage calculator to get an instant repayment estimate and see how much your business loan repayments might be.
Select loan terms
$
$
%
years
$
Loan Summary
Principal
Interest
Stamp Duty & Costs
- Monthly Payment
- $3,376.04
- Total Interest
- $512,810.74
- Total Repaid
- $1,012,810.74
- LVR ⚠
- 71.4%
- Total Cost incl. Stamp Duty & Costs
- $1,037,810.74
| # | Payment ($) | Interest ($) | Principal ($) | Balance ($) |
|---|---|---|---|---|
| 1 | 3,376.04 | 2,708.33 | 667.71 | 499,332.29 |
| 2 | 3,376.04 | 2,704.72 | 671.32 | 498,660.97 |
| 3 | 3,376.04 | 2,701.08 | 674.96 | 497,986.01 |
| 4 | 3,376.04 | 2,697.42 | 678.62 | 497,307.39 |
| 5 | 3,376.04 | 2,693.75 | 682.29 | 496,625.10 |
| 6 | 3,376.04 | 2,690.05 | 685.99 | 495,939.11 |
| 7 | 3,376.04 | 2,686.34 | 689.70 | 495,249.41 |
| 8 | 3,376.04 | 2,682.60 | 693.44 | 494,555.97 |
| 9 | 3,376.04 | 2,678.84 | 697.20 | 493,858.77 |
| 10 | 3,376.04 | 2,675.07 | 700.97 | 493,157.80 |
| 11 | 3,376.04 | 2,671.27 | 704.77 | 492,453.03 |
| 12 | 3,376.04 | 2,667.45 | 708.59 | 491,744.44 |
| Year | Total Payments ($) | Total Interest ($) | Total Principal ($) | Remaining Balance ($) |
|---|---|---|---|---|
| 1 | 40,512.43 | 32,256.92 | 8,255.56 | 491,744.44 |
| 2 | 40,512.43 | 31,704.05 | 8,808.43 | 482,936.01 |
| 3 | 40,512.43 | 31,114.12 | 9,398.36 | 473,537.65 |
| 4 | 40,512.43 | 30,484.71 | 10,027.77 | 463,509.88 |
| 5 | 40,512.43 | 29,813.14 | 10,699.34 | 452,810.54 |
| 6 | 40,512.43 | 29,096.55 | 11,415.93 | 441,394.61 |
| 7 | 40,512.43 | 28,332.03 | 12,180.45 | 429,214.16 |
| 8 | 40,512.43 | 27,516.28 | 12,996.20 | 416,217.96 |
| 9 | 40,512.43 | 26,645.89 | 13,866.59 | 402,351.37 |
| 10 | 40,512.43 | 25,717.21 | 14,795.27 | 387,556.10 |
| 11 | 40,512.43 | 24,726.34 | 15,786.14 | 371,769.96 |
| 12 | 40,512.43 | 23,669.14 | 16,843.34 | 354,926.62 |
| 13 | 40,512.43 | 22,541.11 | 17,971.37 | 336,955.25 |
| 14 | 40,512.43 | 21,337.51 | 19,174.97 | 317,780.28 |
| 15 | 40,512.43 | 20,053.35 | 20,459.13 | 297,321.15 |
| 16 | 40,512.43 | 18,683.16 | 21,829.32 | 275,491.83 |
| 17 | 40,512.43 | 17,221.20 | 23,291.28 | 252,200.55 |
| 18 | 40,512.43 | 15,661.35 | 24,851.13 | 227,349.42 |
| 19 | 40,512.43 | 13,997.02 | 26,515.46 | 200,833.96 |
| 20 | 40,512.43 | 12,221.23 | 28,291.25 | 172,542.71 |
| 21 | 40,512.43 | 10,326.51 | 30,185.97 | 142,356.74 |
| 22 | 40,512.43 | 8,304.90 | 32,207.58 | 110,149.16 |
| 23 | 40,512.43 | 6,147.91 | 34,364.57 | 75,784.59 |
| 24 | 40,512.43 | 3,846.45 | 36,666.03 | 39,118.56 |
| 25 | 40,512.43 | 1,390.84 | 39,121.64 | 0.00 |
Ready to Secure Your Premises?
Stop paying rent and start building business equity. Enter the amount you need below to see what is possible for your acquisition.
This process will not affect your credit rating in any way.
How to Use This Calculator for Loan Repayments
Our calculator provides a baseline for your acquisition funding. By entering your loan amount, property value, interest rate, loan term and any stamp duty and costs, you can see an estimate of your repayment obligation. This helps you assess loan serviceability and understand how commercial loans fit into your business cash flow analysis before you begin the application process.
Expert Tips for Accurate Results
Check the Term
Whether you choose a fixed-rate commercial loan or a variable-rate commercial product, terms are often shorter than residential mortgages. Adjust the term to see how your monthly and yearly repayments change.
Plan for the Deposit
Understanding commercial loan deposit requirements is vital. Most banks look for a loan-to-value ratio (LVR) of 65 to 80 per cent, plus funds for stamp duty and fees.
Use as a Guide
This is an estimate. LendIQ™ offers a provider matching service to help you secure specific interest rate offers based on your commercial property objectives and financial strength.
What is a Commercial Real Estate Loan & Loan Repayment?
A commercial mortgage or business premises funding is a secured commercial loan used to purchase a property. Unlike residential property loans, these are assessed based on the asset's potential to generate a return to cover the loan repayment. They are available for an owner-occupier loan (buying your own premises) or an investment loan.
Why Buy A Commercial Property?
Purchasing your own premises transforms a monthly expense into a long-term business asset strategy. Access a wide range of benefits:
- Stop Paying Rent: You eliminate the risk of lease cancellations and pay off your own asset instead of a landlord's.
- Build Business Equity : Every repayment puts your capital to work and builds ownership in an asset that can be leveraged for future equity release or commercial funding.
- Tax & Depreciation Benefits: You may be eligible for tax-deductible interest and depreciation benefits. We recommend consulting your accountant.
Commercial Refinance & Purchase Options
Buying Existing Premises: Secure a shop premises loan, warehouse financing, an office space mortgage, or an industrial loan.
Expansion & Upgrades: Access leasehold improvements funding or acquire a larger site.
Construction: Secure a commercial construction loan to build a facility tailored to your operations.
Refinancing: Use a commercial refinance to move to a non-bank provider for better rates or access to bridging finance commercial options.
Securing Approval with our Loan Calculator
Approvals focus on the strength of the asset and your business revenue. Partners want to ensure business premises affordability is sustainable.
The Traditional WayYou visit a business loan broker or multiple banks, which can be slow and document-heavy. |  The Lend WayYou connect your details through our secure portal. LendIQ™ compares across 80+ partners. We can even assist with a low doc commercial loan if your financials are complex, matching you with a lender most likely to approve your loan calculator request. Using our calculators, commercial borrowers can plan effectively. |
Commercial property loans, answered
Yes. Business acquisition finance funds the purchase of a going concern, often secured against the target's assets, goodwill or property. It's assessed differently from a straight property loan.
Yes, a self-managed super fund can buy commercial premises, often leased back to your own business at market rent, under strict rules. Get licensed SMSF and financial advice first.
GST can apply, though some sales qualify as a going concern and are GST-free. It's a common trap, so confirm the treatment with your accountant or solicitor.
It varies with the deal's complexity, valuations and documentation, and generally takes longer than a residential purchase. Preparing your financials early speeds things up.
Often yes. Some lenders will fund the purchase plus improvements or working capital, which the refinance and construction options can also support.
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Don't let the perfect premises slip away. Our team is ready to analyse your financials and match you with the right financier so you can bid with confidence.