PropertyUK 2025/26 tax year

Buy vs Rent Calculator UK

Compare the true cost of buying vs renting in the UK over time, accounting for mortgage interest, house growth and investment returns on your deposit.

Your inputs

House price

£300,000

Deposit

£30,000

Mortgage rate

4.50%

Mortgage term

25 yrs

Monthly rent

£1,300

Years to compare

10 yrs

House growth p.a.

3.0%

Investment growth p.a.

5.0%

Maintenance p.a.

1.0%

Buying ahead by

£0

Buyer net position

£0

Renter net position

£0

Breakdown

Monthly mortgage

£1,501

House value at end

£403,175

Buyer equity

£206,997

Total rent paid

£156,000

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