Business premises · Rental investments · Mixed use
Estimate initial monthly payments, deposit or equity and loan-to-value for a UK commercial mortgage. Owner-occupied business premises and rental investments use separate illustrative rate scenarios; mixed-use property has its own filter.
Indicative payment, not a quote
Initial monthly capital-and-interest payment
£5,436.86
The rate a lender offers comes down to the loan size and the risk profile of the business, confirmed in underwriting; the figure shown uses the illustrative rate you selected.
Illustrative estimate only, using approved lender-neutral rate ranges; no lender is named and this is not a quote. Fees are not financed; valuation, legal, broker fees and tax are excluded. Payments may change after any initial fixed period. The rate a lender offers comes down to the loan size and the risk profile of the business, confirmed in underwriting. No lender rental-cover or business-affordability test is performed. Clifton International is an introducer, not a lender. Property may be repossessed if mortgage payments are not maintained.
Reviewed by James Caldwell, Director, Clifton International.
Content review: 27 October 2026. Illustrative rate ranges approved: 27 October 2026.
Last updated Content update only. The illustrative rate ranges are reviewed separately.
Three illustrative scenarios using the mid-point of each approved rate range and a 2% arrangement fee. These are illustrative examples, not quotes or offers of finance; the rate a lender offers comes down to the loan size and the risk profile of the business, confirmed in underwriting.
A trading business buying a £1.8m premises at 70% loan-to-value over 20 years, on a capital-and-interest basis.
An investor borrowing £1.75m against a £2.5m let commercial property (70% LTV) on an interest-only basis; the principal remains due at the end of the term.
A mixed-use purchase — such as a shop with flats above — at 65% loan-to-value over 20 years, on a capital-and-interest basis.
Proof of delivery
The calculator gives illustrative estimates, not quotes. These cases are summarised from Clifton Private Finance's published accounts — they are not Clifton International transactions, and their historical rates and fees are intentionally not reproduced.
£2m commercial mortgage · 15-year term · single charge on the London property
Clifton Private Finance’s January 2025 account reports a £2m owner-occupied commercial mortgage refinancing for a healthcare business operating from multiple UK sites: existing portfolio debt was consolidated into a single facility secured on the London property, leaving two offices unencumbered.
Reported £1.5m capital raised · £2.4m portfolio · share purchase
Clifton Private Finance’s March 2022 account reports £1.5m capital raised for a British national spending most of his time in Canada, buying shares in a company holding a Birmingham portfolio of shops, offices and retail showrooms valued at £2.4m.
These are reported outcomes for the clients concerned. Lender criteria and individual circumstances vary, so the same result is not guaranteed. Property images are illustrative and do not show the clients' own homes.
| Consideration | Owner-occupied | Investment |
|---|---|---|
| Illustrative rate range | 6.5%–8.5% commercial; 6.5%–8% semi-commercial | 7%–9% commercial; 6%–8% semi-commercial |
| Typical maximum loan-to-value | Up to 75% | Up to 70% |
| What lenders assess | Business accounts, trading cash flow and existing commitments | Rent, lease terms, tenant strength and rental cover |
| Illustrative arrangement fee | 2% default, adjustable up to 5% | 2% default, adjustable up to 5% |
Illustrative rate range
Owner-occupied: 6.5%–8.5% commercial; 6.5%–8% semi-commercial
Investment: 7%–9% commercial; 6%–8% semi-commercial
Typical maximum loan-to-value
Owner-occupied: Up to 75%
Investment: Up to 70%
What lenders assess
Owner-occupied: Business accounts, trading cash flow and existing commitments
Investment: Rent, lease terms, tenant strength and rental cover
Illustrative arrangement fee
Owner-occupied: 2% default, adjustable up to 5%
Investment: 2% default, adjustable up to 5%
The table above is also available as the cards shown here.
The rate a lender offers comes down to the loan size and the risk profile of the business, confirmed in underwriting. Fees, early repayment charges and property-specific restrictions matter as well as the headline rate. Read our UK commercial finance guide and worked examples for trading-business cash flow and rental cover, our care home mortgages guide for sector-specific criteria, our healthcare commercial mortgages guide for GP, dental and clinic premises, or compare commercial finance in Spain and the UK.
It estimates monthly capital-and-interest or interest-only payments from a loan amount, annual interest rate and term, alongside loan-to-value and deposit or equity. The rate a lender offers comes down to the loan size and the risk profile of the business, confirmed in underwriting, so the figure shown is indicative only. It is not an affordability assessment, mortgage offer or confirmation of eligibility.
Owner-occupied finance supports premises used by the borrower’s trading business, assessed against business accounts and sustainable cash flow. Investment finance supports property let to tenants, assessed against rent, leases, tenant strength and lender-specific cover requirements. Select the use that matches your property.
Yes. Select semi-commercial for mixed-use premises such as a shop with flats above, then select owner-occupied or investment use. Each combination has its own illustrative rate range. A lender must confirm the mix, valuation and eligibility; a semi-commercial filter is not confirmation that every mixed-use property qualifies.
No. The calculator uses illustrative rate ranges approved by Clifton International for each property scenario, not live lender rates and not a whole-market comparison, and no lender is named. Adjust the rate within the range to see how payments change. The rate a lender offers comes down to the loan size and the risk profile of the business, confirmed in underwriting.
An illustrative arrangement fee is shown separately and assumed paid upfront, not added to the loan; you can adjust it to compare lower-rate, higher-fee scenarios. Valuation, legal, broker, tax and other charges are excluded. Payments use the entered rate for the whole term: an initial fixed period is not the full mortgage term, and payments may change afterwards. This is not an APRC or a total-cost comparison.
For repayment mortgages, the payment is loan × monthly rate ÷ [1 − (1 + monthly rate) raised to minus the number of monthly payments], with annual percentage rate divided by 1,200. At zero interest, divide the loan by the number of payments. Interest-only payments are loan × annual percentage rate ÷ 1,200, and the principal remains due at the end.
