Rent vs Buy Calculator

Compare the total cost of renting versus buying a home in the UK over 5 to 25 years. Includes stamp duty, maintenance, equity, and mortgage costs.

Rent vs Buy Calculator

Compare the lifetime cost of renting versus buying a property in the UK

Comparison Period

Renting

Monthly Rent

Annual Rent Increase (%)

Monthly Renter's Insurance

Buying

Property Price

Deposit Amount

Stamp Duty

£7,500

Mortgage Interest Rate (%)

Mortgage Term (years)

Annual Maintenance (%)

Monthly Buildings Insurance

Monthly Ground Rent/Service Charge

Summary

Total Renting Cost

£529,513

Monthly Mortgage

£1,842

Equity Built

£300,000

Net Cost After Equity

£473,679

Buying is cheaper

£55,835

Typical Monthly Costs

Renting

Rent£1,200

Renter's Insurance£15

Total£1,215

Buying

Mortgage£1,842

Maintenance£333

Buildings Insurance£45

Total£2,221

Note: Stamp duty rates are based on 2026 UK thresholds. Your actual monthly mortgage payment may vary based on your lender's fees. Equity built assumes you pay off the mortgage over the full term. Property values are not included in this calculation.

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