Commercial Property Calculators for NZ Borrowers
Run the numbers on a commercial property deal before you talk to a lender. These free commercial property calculators work out loan repayments, how much you can borrow, the deposit you need, and what a property's rent says about its value.
Free Tools
Choose a Calculator
Commercial Loan Calculator
Repayments, LVR and total interest on a commercial property loan — principal & interest or interest-only.
Open calculatorCommercial Property Borrowing Calculator
How much you can borrow against a commercial property, and the deposit you need, once LVR and rent cover are tested.
Open calculatorCommercial Property Yield Calculator
Gross yield, net yield (cap rate) and an estimated value for a commercial property from its rent and outgoings.
Open calculatorWhere to Start
Which Calculator Do I Need?
- What will my repayments be?Commercial Loan Calculator
- How much can I borrow, and what deposit do I need?Commercial Property Borrowing Calculator
- Is the price right for the rent?Commercial Property Yield Calculator
Each calculator explains the formula behind it, so you can see exactly how lenders size a commercial loan. When the numbers look right, our commercial property finance team can turn them into an indicative term sheet — whether you need a short-term loan or long-term non-bank finance.
FAQs
Frequently Asked Questions
Are these commercial property calculators free?
Yes. Every calculator is free, runs in your browser and needs no sign-up. Nothing you enter is saved or sent anywhere unless you choose to apply.
Which calculator should I use first?
Start with the yield calculator to check the price against the rent, then the borrowing calculator to see how much a lender will advance and the deposit you need. Finish with the loan calculator to see the repayments on that loan.
How accurate are the results?
The maths is exact for the numbers you enter, but the inputs are estimates. Interest rates, LVR limits and serviceability tests vary by lender and deal, so treat the results as a guide and confirm them with an indicative term sheet before you commit.
Can AML Commercial give me a real figure?
Yes. Send us the deal through our property finance application and we turn around an indicative term sheet within 24–48 hours, based on your actual security, income and exit.
Turn These Numbers Into a Real Offer
Send us the deal and we'll come back with an indicative term sheet built on your actual security and income — not an average.
- Indicative term sheets within 24–48 hours of receiving your file.
- Commercial lending up to 70% LVR, short-term (3–24 months) or long-term (20–30 years).
- Access to multiple banks and non-bank lenders through one application.