SIPP Mortgage Calculator
Calculate your SIPP commercial property mortgage. Enter your property value, pension fund size, and desired terms to see indicative monthly payments and a full amortisation schedule.
Calculator Inputs
Max Loan
£250,000
50% LTV
Monthly Payment
£1,718
Capital & interest
Deposit Required
£250,000
From SIPP fund
Total Cost
£412,394
Total Interest
£162,394
Fund Remaining
£150,000
Annual Repayment Breakdown
Amortisation Schedule
| Year | Opening | Payment | Interest | Principal | Closing |
|---|---|---|---|---|---|
| 1 | £250,000 | £20,620 | £13,549 | £7,071 | £242,929 |
| 2 | £242,929 | £20,620 | £13,151 | £7,469 | £235,460 |
| 3 | £235,460 | £20,620 | £12,730 | £7,889 | £227,571 |
| 4 | £227,571 | £20,620 | £12,286 | £8,334 | £219,237 |
| 5 | £219,237 | £20,620 | £11,817 | £8,803 | £210,434 |
| 6 | £210,434 | £20,620 | £11,321 | £9,299 | £201,136 |
| 7 | £201,136 | £20,620 | £10,798 | £9,822 | £191,314 |
| 8 | £191,314 | £20,620 | £10,245 | £10,375 | £180,939 |
| 9 | £180,939 | £20,620 | £9,660 | £10,959 | £169,979 |
| 10 | £169,979 | £20,620 | £9,043 | £11,576 | £158,403 |
| 11 | £158,403 | £20,620 | £8,392 | £12,228 | £146,175 |
| 12 | £146,175 | £20,620 | £7,703 | £12,916 | £133,259 |
| 13 | £133,259 | £20,620 | £6,976 | £13,644 | £119,615 |
| 14 | £119,615 | £20,620 | £6,208 | £14,412 | £105,203 |
| 15 | £105,203 | £20,620 | £5,396 | £15,223 | £89,980 |
| 16 | £89,980 | £20,620 | £4,539 | £16,080 | £73,900 |
| 17 | £73,900 | £20,620 | £3,634 | £16,986 | £56,914 |
| 18 | £56,914 | £20,620 | £2,678 | £17,942 | £38,972 |
| 19 | £38,972 | £20,620 | £1,667 | £18,952 | £20,019 |
| 20 | £20,019 | £20,620 | £600 | £20,019 | £0 |
Important: This calculator provides illustrative figures only and does not constitute financial advice. Actual rates, terms, and eligibility depend on the lender, property type, and your SIPP provider. The maximum LTV for a SIPP commercial property mortgage is 50% of the property value. Your pension and property values can go down as well as up. Always seek independent financial advice before proceeding.