Commercial Mortgage Payment Calculator
Enter your commercial mortgage amount, rate and amortization — see payments for principal + interest or interest-only, at any frequency. Amortizations from 5 to 50 years, standard at 25.
Your commercial mortgage
Commercial variable-rate mortgages and HELOCs are typically compounded monthly. Specific lender conventions vary by product and sponsor; confirm compounding directly with the lender.
At the same nominal rate, less-frequent compounding produces a lower payment.
Default 25 years, up to 50. Commercial amortizations vary by asset class and lender. 25 years is the market standard. 30–50 years is possible on multi-family, CMHC MLI Select, and select construction-to-perm files.
Think of the quoted rate as the “sticker” rate. EAR is the real yearly cost after the lender’s compounding schedule is applied. The gap above is the extra cost versus a semi-annual-compounded mortgage at the same sticker rate — the best-case scenario allowed by Canadian mortgage law. The more often interest compounds, the higher the real cost, even when the sticker rate looks identical. Simple-interest mortgages are not available here, so use this EAR to compare lenders apples-to-apples, not to look for something “better than semi-annual.”
Same payment, every frequency
Time to payoff vs semi-annual compounding
Same total dollars paid per year ($92,164), solved against each compounding schedule.
You're already on the Canadian best-case schedule — semi-annual compounding. No time is lost to a heavier compounding convention at this rate.
Over the full amortization
Computed for your selected payment frequency — accelerated schedules genuinely shorten the totals above. Assumes the same rate for the entire amortization; real mortgages renew every 1–5 years at then-current rates. For the full year-by-year schedule and accelerated payment options, see the Amortization Calculator.
- Lets you choose the interest compounding frequency — and shows the effective annual rate (EAR) gap in basis points versus Canada's semi-annual convention
- Names names: Scotiabank and Strive compound variable semi-annually (the cheapest legal schedule); RBC compounds at payment frequency (the most expensive) — and prices the difference
- Shows time-to-payoff and interest cost versus semi-annual compounding, so 'the same rate' stops hiding different real costs
- True accelerated bi-weekly and weekly schedules that actually shorten your amortization — not just relabelled monthly math
Get your real mortgage approval amount
Calculators give estimates. We give exact numbers — based on your income, credit, and the lender most likely to say yes. Free, no obligation, same-day reply.
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Case Studies — files like this
Anonymized case studies from our desk. Names and identifying details removed.
- Case study · CommercialStructuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax DebtDone right, a structure like this clears the CRA debt for a fraction of the alternatives and buys time to refinance into lower-cost lending once the pressure lifts, on terms a CPA can approve.Read the file →
- Case study · Commercial / Alternative-to-ABanks Declined. Private Lenders Charged 10%+. We Cut His Rate in Half.Cut the borrower's interest rate in half, moved from double-digit private mortgage costs to an alternative commercial mortgage, paid down principal, improved his credit and cash flow, and positioned him for a prime-lender refinance within two years — one broker, one custom plan, from private exit to prime placement.Read the file →
Modeling a specific deal? Pair this with closing costs, cap rate & DSCR or EBITDA valuation.
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.