Commercial Remortgage Calculator
Appraise capital extraction from low-geared or unencumbered UK commercial property. Model maximum 75% LTV refinancing and calculate new monthly payments.
Refinancing or Releasing Equity from UK Commercial Property?
Compare refinancing terms on our Commercial Mortgages facility or learn how valuers assess assets in our Commercial Valuations Guide.
Commercial Remortgage & Equity Release Calculator
Extract corporate cash equity from existing commercial assets up to 75% LTV to fund business expansion or portfolio growth.
The Corporate Equity Release Flywheel
How professional property companies scale without diluting corporate share capital.
Extract Trapped Capital
Refinance unencumbered assets or seasoned investments to 70%–75% LTV, pulling hundreds of thousands of tax-free capital directly into your company treasury.
Leverage 3x Reinvestment
Use released cash as a 30% equity deposit to acquire new high-yielding commercial assets, multiplying purchasing power by over 3x.
Compound Rental Cashflow
New commercial assets generate surplus net operating income, building balance sheet value and preparing the next refinancing cycle.
Frequently Asked Questions on Commercial Refinancing
What reasons are acceptable to lenders for commercial equity release?
Commercial lenders accept a wide range of corporate purposes for capital release, including purchasing new commercial investment properties, funding property developments or refurbishments, injecting working capital into a trading business, or consolidating higher-cost bridging or business loans.
What maximum LTV can be achieved when remortgaging commercial property?
Most commercial lenders allow capital release up to 70% to 75% of the property current market valuation, subject to lease covenant strength, remaining lease duration, and rent coverage.
How do lenders treat capital uplift after refurbishing a commercial asset?
If a corporate borrower has enhanced a property through heavy refurbishment, lease re-gearing, or obtaining planning permission, lenders will instruct a new RICS red book valuation based on the current higher open market value, enabling substantial equity extraction beyond the original purchase price.
Are there Early Repayment Charges (ERCs) to consider when remortgaging?
Yes. Existing fixed-rate facilities frequently carry tapered Early Repayment Charges (often 1% to 5% during the fixed period). Borrowers should calculate whether new lower interest margins or released capital yields outweigh any redemption penalty.
Related Commercial Property Finance Tools & Insights
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Model retained vs rolled-up interest (0.55%–1.45% pm) and net advance.
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Senior debt sizing up to 90% LTC and 70% LTGDV with profit-on-cost checks.
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HMRC non-residential tax slices (0%, 2%, 5%) and residential savings.
ICR Stress Test Calculator
Assess 125%–145% lender stress tests and find max borrowing capacity.
Commercial Rental Yield Calculator
Gross yield, Net Operating Income (NOI), and leveraged Cash-on-Cash returns.
Contextual Guidance & Transaction Facilities
Ready to Release Equity from Your Commercial Portfolio?
Appraise your commercial properties with 100+ UK lenders. Discover how much corporate capital you can extract at market-leading rates.
Statutory Disclosures: commercialmortgagedealer.com is a trading style of Hello Leads Ltd. Registered in England & Wales. Company No. 10286382. ICO Registration: ZB924628. Registered office: 1 Llandegfedd Close, Cardiff, Wales CF14 9HD.
Commercial remortgages arranged for corporate entities are not regulated by the Financial Conduct Authority (FCA). Your property or assets may be repossessed if repayments are not maintained.