Commercial Mortgage Calculator
Estimate monthly repayments, total interest, and debt service coverage ratio for an Australian commercial property loan. Adjust the inputs to model different scenarios.
Loan Inputs
Results
Most Australian commercial lenders target 1.25x or higher. Below 1.10x typically requires strategic structuring.
How the commercial loan calculator works
This commercial mortgage calculator uses the standard amortisation formula to estimate monthly principal and interest repayments across a chosen term, plus the total interest paid over the life of the loan. It also produces a Debt Service Coverage Ratio (DSCR) based on the property's annual Net Operating Income, a metric Australian commercial lenders use to assess serviceability.
This tool provides general information only and is not credit or financial advice. Actual repayments, fees, and lender criteria vary. Speak with an eCapital Funding strategist for a tailored assessment.
Frequently asked questions
How is a commercial mortgage repayment calculated?+
Repayments use M = P · r / (1 − (1 + r)^−n), where P is the loan amount, r is the monthly interest rate, and n is the total number of monthly payments over the loan term.
What is a Debt Service Coverage Ratio (DSCR)?+
DSCR is annual Net Operating Income divided by annual loan repayments. A ratio of 1.25x means the property generates 25% more income than needed to service the debt. Most Australian commercial lenders target 1.25x or higher.
How much deposit do I need for a commercial property loan in Australia?+
Commercial property loans typically require a 25-35% deposit. Strategic funding structures, additional security, or private capital can extend leverage further depending on asset type and borrower profile.