Enter the property and mortgage
Add the property price, deposit, mortgage rate and term.
Property
Rent vs Buy Calculator UK
Compare the estimated net cost of renting with buying over a chosen period using transparent mortgage, rent and house-price assumptions.
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HOW IT WORKS
How the Rent vs Buy Calculator UK works
Describe the rental alternative
Enter current monthly rent and optional annual rent growth.
Compare the same time horizon
The calculator estimates mortgage balance, property value, equity and cumulative rent over the selected period.
COMMON QUESTIONS
Frequently asked questions
What does the comparison include?
It includes deposit, mortgage payments, user-entered buying costs, estimated selling costs, property-value growth and rent growth.
What costs are not included?
Maintenance, service charges, insurance, tax, investment returns on spare cash and transaction-specific costs are not automatically included.
Is house-price growth a forecast?
No. It is only a scenario assumption that you can change, including to zero or a negative value.
Does a lower calculated cost mean I should buy or rent?
No. Housing decisions also involve flexibility, risk, affordability and personal circumstances. The result is a simplified numerical comparison.
RELATED TOOLS
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Mortgage Calculator UK
Estimate monthly repayments, total interest and loan-to-value.
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Mortgage Affordability Calculator
Illustrate borrowing from household income, an income multiple and deposit.
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House Price Growth Calculator
Model compound property value growth or decline using an annual percentage assumption.