Commercial Mortgage Calculator
Estimate a commercial mortgage payment and a simple debt-service ratio. This is an estimate to help you plan, not an offer or approval, and commercial terms vary widely by lender and deal.
Since December 2021, HB Mortgage Centre has funded over $1 billion in mortgages through more than 50 lenders.
Written by the HB Mortgage Centre team. Reviewed by Hardeep Batoo, Principal Broker (licence M13002408). HB Mortgage Centre is an FSRA-licensed brokerage (#13449). Last updated: June 23, 2026.
Estimate your commercial mortgage
Enter the property's annual net operating income to calculate a debt-service coverage ratio.
Estimated Results
Monthly Payment
$6,698
Annual Debt Service
$80,379
This is an estimate only. Subject to qualification. Not an offer or approval. Commercial terms vary widely by lender, property type, and deal.
Estimate only. Commercial terms vary widely by lender, property, and deal. Not an offer or approval. Subject to lender assessment.
How to use it
Enter the loan amount, a rate, and an amortization. If you have the property's net operating income, add it for a simple DSCR, which lenders use to gauge whether the property's income covers the debt. Treat the result as a rough guide only.