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Rent versus buy calculator
Compare rent with mortgage interest, maintenance and an illustrated change in equity.
Illustrative result
£292,117.51 rent minus the illustrated buying cost
- Rent paid
- £84,000.00
- Mortgage interest
- £29,882.49
- Ownership costs
- £14,000.00
- Illustrated equity gained
- £252,000.00
- Illustrated net cost of buying
- -£208,117.51
Assumptions
- This is an illustration. It is not a mortgage offer, a lending decision or a guarantee of investment growth.
- Buying costs such as stamp duty are not included. Add them with the tax calculators.
- Zero growth means the equity only changes because the mortgage is repaid.
- Equity gained is not cash you can spend without selling or remortgaging.
Questions
Does buying win when the difference is positive?
Only inside this illustration. Repairs, moving costs and a fall in the price can reverse it.
Use this in your own plan
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Related calculators
Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.
Rent minus the illustrated buying cost£292,117.51See breakdown