Buy vs Rent Calculator
Decision-focused calculator with monthly and multi-year comparisons.
Current UK mortgage pricing changes often. The average marker is a guide, so compare several rates (for example 4% to 6%) to stress-test your result.
Renting cheaper
Loan £315,000
Ownership/mo
£1,878
Rent/mo
£1,800
Diff/mo
-£78
Rent£1,800
Ownership (mortgage + extras)£1,878
5-year cumulative cost
Rent Buy (incl. deposit)
1 year: -£932
5 years: -£4,660
Rate sensitivity
Shows how monthly advantage changes as mortgage rate moves from 2% to 7%.
Estimate only. Excludes stamp duty, buying/selling fees, and potential property value/rent growth.