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Rent vs Buy Calculator

Compare the long-term costs of renting vs buying property

Property & Financial Details
Property Price
£
Deposit Amount
£
Mortgage Rate
%
Mortgage Term
Monthly Rent
£
Rent Deposit
£

Financial Assumptions

Time Horizon
Annual Property Appreciation
%
Annual Rent Increase
%
Alternative Investment Return
%
Annual Income
£

Rates +3%, prices -10%

Additional Buying Costs

Stamp Duty
%
Legal Fees
£
Survey/Valuation
£
Moving Costs
£
Annual Maintenance
%
Annual Council Tax
£
Annual Insurance
£
Annual Ground Rent
£
Annual Service Charge
£
Agent Fees
%
Cost Comparison Analysis

Enter your details to compare renting vs buying

Advantages of Buying

✅ Build equity over time

✅ Stable monthly payments (fixed rate)

✅ Freedom to renovate

✅ Potential for property appreciation

✅ No landlord restrictions

Advantages of Renting

✅ Lower upfront costs

✅ Flexibility to move

✅ No maintenance responsibility

✅ Invest savings elsewhere

✅ Lower deposits

Key Factors to Consider

• Time horizon

• Property market conditions

• Interest rates

• Tax implications

• Personal circumstances

• Lifestyle changes

Important Disclaimer

This calculator provides estimates based on your inputs. Actual outcomes depend on many factors.

  • Interest rate changes
  • Property market fluctuations
  • Tax implications and financial regulations
  • Personal circumstances and lifestyle changes

This tool is for educational purposes only. Always consult with qualified financial advisors.