Calculate a business mortgage
Get a good impression of what your business mortgage will cost.
Expected monthly charges
Estimated one-time costs Breakdown of one-off costs
Agency fees Closing costs Notary fees € 1000 Appraisal costs € 750
€ 5,533Breakdown of one-off costs
Want to know if you can get a business mortgage?
We can estimate the feasibility of Your application based on a few questions.
View multi-year overviewStart date
Expected repayment date
June 15, 2050
refund statement
| Redemption date | Payment | Redemption | Interest | Total interest | Balance sheet outstanding |
|---|
Calculate commercial mortgage business premises
Estimate your business interest & costs
The calculation tool provides a rough indication, based on the information you enter. How accurate the costs are, therefore depends on Your estimate.
To help you make a better estimate with your business mortgage calculation, you will find various numbers and figures below that you can use as a reference. The interest you can receive depends on factors such as the creditworthiness of your company, the amount of the mortgage and whether you occupy the property yourself, or rent it out (partially).
Also interesting: Business mortgage interest compare per type of business premises
Own use pledge - good credit
If your company can currently - and in the future - easily meet the repayment obligation, the lender runs little risk of a default. You can therefore borrow at favorable interest rates. Lower interest rates generally apply to larger loans, because a high loan amount is more interesting and efficient for the lender.
| Loan amount | € 50,000 - 100,000 | € 100,000 - € 250,000 | € 250,000 - € 500,000 | € 500,000 - € 2,000,000 | € 2,000,000 + |
| Interest percentage | 5.25% | 4.75% | 4.50% | 3.75% | 2.75% |
* Interest rates are for guidance only. Contact us for an exact interest rate comparison tailored to Your business property.
Business premises for own use - Average creditworthiness
With an average creditworthiness, the financier will assess the payment capacity of the company. To what extent can your company meet the interest and repayment obligation with the available free cash flows? Depending on the payment capacity and the requirements of the financier, it will be determined how much you can borrow. The amount that you can borrow, in proportion to the value of the property, is expressed in the loan-to-value ratio (LTV). A loan amount of € 250,000 with a property of € 500,000 results in an LTV of 50%.
| Loan to Value (LTV) | 50% | 55% | 60% | 65% | 70% |
| Interest percentage | 5.64% | 5.82% | 6.10% | 6.58% | 6.95% |
* Interest rates are for guidance only. Contact us for an exact interest rate comparison tailored to Your business property.
Business premises for own use - Moderate creditworthiness
A company with moderate creditworthiness may be in a situation where they are forced to purchase business premises. For example, because the landlord wants to sell the property, so that the company can no longer continue to rent unless they buy the property themselves.
Lenders are reticent with a moderate creditworthiness, but a mortgage business loan is not impossible in this case. The lender has the guarantee of collateral. As a result, expect a lower loan-to-value and high interest rates.
Interest rates of 7+ percent are no exception in these cases. It is interesting to consider the possibilities of an interest-only corporate mortgage in this case. As a result, the monthly repayment burden is a lot lower and the payment capacity is greatly increased, so that a lot more is possible. These types of situations are more complicated, so it is wise to have a business mortgage adviser assist you.
Investment property - commercial real estate
Do you want to calculate a business mortgage for an investment property? The mortgage interest on commercial real estate investments is usually higher than on a commercial property for own use, because there is more risk involved, such as vacancy. However, very attractive interest rates are still available, as the lender has quite stable collateral coupled with a good credit rating from the borrower.
| Loan amount | € 50,000 - 100,000 | € 100,000 - € 250,000 | € 250,000 - € 500,000 | € 500,000 - € 2,000,000 | € 2,000,000 + |
| Interest percentage | 5.65% | 5.25% | 4.95% | 3.95% | 3% |
* Interest rates are for guidance only. Contact us for an exact interest rate comparison tailored to Your investment property.
Investment property - residential real estate
Mortgage rates for corporate real estate investments are typically higher than corporate mortgages for personal use because of the greater risk involved. However, very attractive interest rates are still available as the lender has value-added collateral coupled with a good credit rating from the borrower.
| Loan to Value (LTV) | 50% | 55% | 60% | 65% | 70% |
| Interest percentage | 3.05% | 3.15% | 3.20% | 3.30% | 3.35% |
* Interest rates are for guidance only. Contact us for an exact interest rate comparison tailored to Your investment property.
Duration vs. total interest expense
The term has a major effect on the total interest costs of the business mortgage . A shorter term naturally entails higher repayments per term, but also lower total interest costs.
Depending on how capital intensive Your company is, it may be attractive to opt for a maximum term of 20 years. As a result, monthly repayment terms are low and the business remains liquid, while the cost of capital is low. There is no other form of financing where costs are as low as with a business mortgage.
If you have less need for large liquidity, it can be interesting to opt for a short term of the business mortgage. The total interest costs for a short term are considerably less than the total costs for a long term.
For the example below, we calculate with a business mortgage of € 500,000 at 4% interest. Using your own numbers? You can calculate your business mortgage in the calculator at the top of this page. View the multi-year overview with the calculator to gain insight into the total interest costs.
| Duration | 5 years | 10 years | 15 years | 20 years |
| Monthly payment | € 9,208 | € 5,062 | € 3,698 | € 3,029 |
| Total interest expense (full term) | € 52,480 | € 107,440 | € 165,640 | € 226,960 |