Get a good indication of what interest you can expect and what the monthly payments will be for Your new business mortgage.
15 results found
|Real estate type|| One-off costs|
Breakdown of one-off costs
This is an indicative rate based on information from our partners and our experience with previous request. Contact us to receive an accurate interest rate estimate based on Your business situation and mortgage application.
| Monthly charges|
The monthly repayment is calculated on the basis of an annuity mortgage, whereby you repay a fixed amount per month. That amount consists of interest and repayment.
The business mortgage interest is made up of 3 variables.
The financier runs a risk that you can no longer do the payment obligation. A risk surcharge is charged for this. The more risky the loan, the higher the surcharge.
The financier incurs costs that are included in the interest rate. Consider the costs of personnel and computer systems.
This is the rate at which the lender can buy money. Usually the US LIBOR is used for this.
Interest rates can vary depending on several different factors. The main variables to consider are:
If you have an established and stable business, you usually benefit from a more favorable interest rate. In addition, interest rates for a business mortgage are generally lower if you purchase the business premises for your own use, in contrast to a business mortgage for business premises for rent.
The mortgage interest on a commercial property for personal use varies from 2.7% to 7%. Interest rates of 3.5% to 6.5% are most common for small and medium-sized businesses.
Business properties that are purchased as an investment usually involve a marginally higher risk, which is reflected in a small increase in the commercial mortgage interest rate on investment real estate.
Business mortgage rates can be fixed or variable. Many mortgage lenders price each fixed-rate business mortgage individually, which means that a direct quotation is usually not possible.
Every mortgage lender uses different percentages and terms against which the interest can be fixed. In that case, a business mortgage broker can give you the best advice for fixed vs. variable and the term of the fixed interest, if you opt for a fixed interest.
Due to the current extremely low interest rates, it is common to fix interest rates from 1 to 10 years.
In exceptional cases it is possible to use a longer fixed-rate period.
The variable mortgage interest on commercial real estate is determined by banks on the basis of the US LIBOR (USD Interbank Offered Rate).
The rate at which banks can purchase money from other banks and money institutions.
US LIBOR rates 1999 - present
At the moment US LIBOR is negative, allowing banks to raise money on very favorable terms. The low US LIBOR in combination with the low risk profile of commercial real estate results in very favorable corporate mortgage rates at the moment.
Calculate the costs of your business mortgage yourself? This is possible here: calculate a business mortgage .
A commercial property usually entails other interest rates than financing, for example, large commercial real estate or a house for rent. The type of property you want to finance is part of the risk analysis of Your mortgage application.
You can roughly assume the next one percentages per type of commercial real estate.
We compare 81 providers from 2.75% interest. Including providers where you cannot directly apply an application, such as institutional investors, small funds and investment companies. 2 to 4 weeks and your mortgage is completed, under the best financing conditions.