Rent vs Buy Calculator

Compare the long-term costs of renting versus buying

Property Price

£300,000

£100k£1M

Monthly Rent

£16,800/year

£1,400/month

£200£5,000

Deposit (10%)

~0.74% + base rate

£30,000

£0£240,000

LTV:

Interest Rate

5.5%

1.0%10.0%

Results

Over 25 years

Buying looks better

Based on these assumptions, buying builds £404,227 more wealth over 25 years.

Buying ahead by£404,227

Monthly Mortgage

£1,658

Monthly Rent

£1,400

Break-even Point

When buying becomes better than renting

Year 5

After 25 Years

If you buy£628,133 equity

Property value: £628,133 | Paid: £618,790

If you rent£217,632 savings

Total rent paid: £612,516

Ready to calculate your mortgage?

Mortgage Calculator

Ready to take the next step?

Based on your £300,000 property with a £30,000 deposit — connect with a professional who can help.

Find a Mortgage Broker Find Estate Agents

Explore More Tools

Mortgage Repayment

Monthly payments & schedules

Affordability

How much can you borrow?

Mortgage Overpayment

Save interest by overpaying

Remortgage Savings

Compare your current vs new deal

Mortgage Comparison

Compare deals side by side

Rental Yield

Investment property analysis

Buy-to-Let Tax

Section 24 tax impact calculator

Stamp Duty

SDLT, LBTT & LTT

Moving Costs

True cost of moving home

Mortgage vs Investing

Overpay or invest in the market?