Commercial Property Loan Calculator

Choose the transaction you want to model. Purchases and major works show purchase costs. A refinance or equity release focuses on the existing property and loan.

Rental income is counted only when the property is leased to an outside tenant. For premises used by your own business, enter business cash available for repayments instead.

The property type changes the suggested loan percentage, income buffer target and vacancy allowance. Every suggested figure can still be changed.

The tenant or business can affect income stability, approvals, future costs and the information a lender may ask for—even when the building itself is standard.

This describes how easy it may be to find another buyer or tenant. Stronger demand may support a higher starting loan percentage; a smaller market may need more caution.

Choose whether the property and income are established, new, vacant or being changed. New or uncertain income usually needs a larger safety margin.

For a single-tenant property, enter the remaining lease term. For multiple tenants, enter the weighted average lease expiry (WALE) if you know it.

This is a planning diagnostic only. Options, tenant quality, break clauses, incentives and lender policy still need separate review.

This does not determine lender eligibility. It tells the calculator what evidence a lender may focus on so the result can flag the right questions.

Lease-doc style assessment depends heavily on the lease, tenant and property. Full financials or owner-occupied business assessment focuses more on borrower cash flow and financial evidence.

For a purchase, enter the price or expected lender valuation. For a refinance, enter the current estimated value. A lender may use a different valuation.

Enter the loan you want, or the current balance for a refinance. The calculator compares it with the property value and the income available.

Enter the interest rate you want to test. This calculator does not search for or recommend a lender rate.

The number of years used to estimate principal-and-interest repayments.

Principal and interest reduces the loan over time. Interest only has lower payments at first, followed by higher principal-and-interest payments over the remaining term.

How long the loan is interest only before principal repayments begin.

Full repayment check compares available income with principal-and-interest repayments.

Interest-only check compares available income with interest only.

A target of 1.50× means the model looks for $1.50 of available yearly income for each $1.00 of estimated yearly loan cost.

This is an editable planning assumption, not a lender rule.

Adds this many percentage points to the entered rate for a higher-rate safety check. Example: 7.00% plus 2.50% tests 9.50%.

A 70% setting means the property-value limit is 70% of the value entered.

This is sometimes called the loan-to-value ratio. It is a planning assumption only and can be changed.

Use actual rent only when there is real lease income you want counted. Market rent is shown for context and is not counted in the income test.

Choose the way the lease states rent. The calculator converts the amount to a yearly figure.

Enter the rent before GST. The calculator converts it to a yearly amount.

Enter the yearly rent before GST.

Enter the yearly rent for each square metre. Also enter the property area.

Used only when rent is entered per square metre per year.

Enter costs paid by the owner and not recovered from the tenant, such as rates, insurance or maintenance.

Choose how often the property-cost amount is paid.

Reduces rent to allow for empty periods, tenant changeover or downtime. The suggested percentage can be changed.

For premises used by your own business, enter a simplified estimate of cash flow available for loan repayments after normal business costs.

For an investment, use this only for genuine additional income you want to test. It does not replace financial statements or a lender assessment.

Choose whether the cash amount entered is weekly, monthly or yearly.

A capitalisation rate (property yield) can be used to show a rough value check based on net rental income.

This is optional and is not a property valuation.

Select the location so the button opens the correct official government duty calculator or guidance page.

Select the state or territory, open the official government page in a new tab, complete its questions, then return and enter the estimate.

The official page may use the words transfer duty, land transfer duty, conveyance duty or stamp duty.

Open the official government calculator or guidance page, then enter the estimate here.

Duty can depend on the contract date, property use, buyer type and other transaction details.

Enter your estimate for legal, conveyancing and registration costs.

Enter your estimate for valuation, application, lender and settlement fees.

Include other known costs that are not already entered, such as due diligence or specialist reports. Avoid counting the same cost twice.