Commercial

Commercial Valuation

Value a commercial investment property using the investment method, including its reversionary position.

Intermediate

Introduction

Who this is for: Investors, brokers and analysts appraising income-producing commercial property.

Why it matters: Commercial property is valued on income, not comparable sale prices. A building let at £80,000 on a 6% yield is worth roughly £1.33m — change the yield by half a point and the value moves by more than £100,000. Understanding that sensitivity is the core of commercial investment.

Typical scenario: A multi-let office is producing £85,000 passing rent against an estimated rental value of £110,000, with 4 years unexpired. The investor needs to understand both today’s value and the reversionary value once leases are re-geared.

Common mistakes:
  • Valuing on passing rent while ignoring that the lease is under-rented and reverts to a higher market rent.
  • Applying a prime yield to a secondary asset — covenant strength and lease length drive the yield, not the sector alone.
  • Forgetting that purchaser’s costs (typically around 6.8%) sit between gross and net value.

Inputs

Income

£
£
%

Yield

%
%

Costs & Lease

£
£

years

Analysis

On a passing rent of £85,000 less £8,000 of non-recoverable costs, net income is £77,000. Capitalised at 6.5%, that gives a gross value of £1,184,615.

After purchaser's costs of £102,000, the net value is approximately £1,082,615.

Once let at ERV, the reversionary value rises to roughly £1,608,333 — an uplift of £423,718. That gap is the value-add case for this asset.

This analysis provides context, not financial advice. Consult a qualified adviser before making investment decisions.

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Sensitivity Analysis

Sensitivity

Adjust the variables below to stress-test this scenario. Results update instantly.

£85,000
£0£170,000
£110,000
£0£220,000
6.5%
120
6%
120

Export

Live Results

Gross Value

£1,184,615

Net Value (after costs)

£1,082,615

Reversionary Value

£1,608,333

Reversionary Uplift

£423,718

The property is under-rented — ERV is 29.4% above passing rent, indicating reversionary potential on lease renewal or rent review.
Net Income (current)£77,000
Effective ERV (after void)£104,500
Purchaser's Costs£102,000
Years Purchase15.38x