Adjust the sliders to see estimated monthly costs based on purchase price, deposit and loan term. No credit check is performed by using this calculator.
Indicative rate. Actual rates depend on your profile and lender.
These examples show realistic scenarios, not guaranteed outcomes. Every deal is different.
Purchase price: £120,000. Deposit: 25% (£30,000). Finance: £90,000 over five years at 9%.
Estimated monthly repayment: approximately £1,868.
A Gas Safe registered engineer with 10 years in the trade buying a small domestic HVAC business with 150 boiler service contracts. Strong sector experience, clean credit, and a manageable deposit from savings and a small family loan.
Purchase price: £350,000. Deposit: 20% (£70,000). Finance: £280,000 over seven years at 7.5%.
Estimated monthly repayment: approximately £4,278.
An existing HVAC business owner acquiring a competitor to consolidate their local market. Seller financing covers £50,000, reducing the senior debt to £230,000. The buyer's track record of running a profitable HVAC business for six years makes this a straightforward application.
Purchase price: £600,000. Deposit: 25% (£150,000). Senior debt: £350,000. Mezzanine: £100,000.
Estimated combined monthly repayment: approximately £7,200 to £8,400 depending on terms.
A senior HVAC contracts manager buying into a commercial HVAC business with £1.2M turnover and a strong FM contract base. The blended structure uses senior debt for the bulk, mezzanine to bridge the gap, and the buyer's savings plus an equity release for the deposit.
The best way to understand your actual position is to speak with a specialist broker who can assess your specific circumstances.
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A specialist broker will be in touch within 48 hours to discuss your options. No obligation, no credit check at this stage.