7 calculators · client-side · no sign-up
UK commercial mortgage calculators that show the working.
Seven free, client-side calculators for the metrics that actually drive a UK commercial mortgage decision. Cover ratios, debt yield, repayments, stress tests, property yield and bridging cost. Each one shows a worked example and explains, in plain English, what the result means before a lender sees it.
Choose a calculator
7 tools- CALC · 01 DSCR Calculator Whether the property or business generates enough cash to service the loan. in: 2 out: DSCR ratio
- CALC · 02 Debt Yield Calculator The belt-and-braces sanity check that protects against ICR being flattered by low rates. in: 2 out: Debt yield %
- CALC · 03 ICR Calculator The investment-property equivalent of DSCR. Tells you whether rental income clears interest with the cover lenders want. in: 3 out: ICR %
- CALC · 04 Repayment Calculator Monthly payment, total interest cost and a year-one amortisation snapshot. in: 4 out: Monthly payment
- CALC · 05 Stress Test Calculator How your cover ratios degrade as rates rise. Lenders run this exercise before underwriting. in: 3 out: DSCR and ICR at base
- CALC · 06 Property Yield Calculator The bedrock investment metric. Gross yield uses headline rent; net yield strips out running costs. in: 3 out: Gross yield %
- CALC · 07 Bridging Cost Calculator The real total cost of a UK commercial bridge, not just the headline monthly rate. in: 5 out: Monthly cost
For illustrative purposes only. Not advice. Inputs run in your browser.
What this suite is for
These calculators are the tools we reach for first on any UK commercial mortgage enquiry. Before we approach a lender, we run DSCR on the trading business, ICR on the property, debt yield as a sanity check, and a stress test at +1%, +2% and +3% to see where the deal breaks. The repayment and bridging calculators put a monthly number in front of the borrower so the conversation starts at the right point.
Each calculator runs in your browser, with no sign-up and nothing stored. Inputs are real numbers, formulas are the same ones the lenders use, and the interpretation under each result tells you what the output actually means before the deal goes in.
Common questions
What is DSCR and what cover do commercial mortgage lenders want?
DSCR (Debt Service Cover Ratio) is net operating income divided by annual debt service. On UK owner-occupier mortgages lenders typically want 1.25x to 1.40x. On goodwill-heavy trading businesses such as hospitality or care homes, lenders want 1.40x to 1.60x because the cash flow is more volatile.
What is debt yield and why do lenders use it?
Debt yield is net operating income divided by loan amount. UK commercial lenders typically want 8.5% to 10.5% on investment property. It protects the lender against ICR being flattered by a temporarily low rate environment. If the loan refinances onto a higher rate in 5 years, debt yield is the metric that still holds up.
How is a commercial mortgage repayment calculated?
On a capital + interest commercial mortgage the monthly payment is calculated using the standard amortisation formula: M equals P times r times (1+r) to the power n, all divided by (1+r) to the power n minus 1, where P is the loan amount, r is the monthly rate, and n is the term in months. On interest-only, the monthly payment is simply loan times monthly rate.
What ICR do UK commercial mortgage lenders need on an investment property?
Lenders typically want an Interest Cover Ratio of 140% to 175%, depending on sector and LTV. Prime industrial gets the lighter end. Secondary retail gets the heavier end. The ICR is calculated on a stressed interest rate, usually pay rate plus 1% to 2%.
How much does UK commercial bridging actually cost?
UK commercial bridging prices 0.70% to 0.95% per month on the headline rate. On top of that, expect a 1.5% to 2% arrangement fee, sometimes a 0.5% to 1% exit fee, plus legals and valuation. The Bridging Cost Calculator on this site totals all of these into an all-in figure.
Are these calculators advice?
No. They are for illustrative purposes only. Inputs run client-side in your browser and produce indicative numbers based on standard finance formulas. Actual lender pricing and underwriting decisions depend on covenant, LTV, sector, property condition and dozens of factors a calculator does not see. Always validate with a regulated advisor before committing to finance.