tenant2owner
    Free homebuying tool

    Rent or buy?
    Run the real numbers.

    Compare the long-term outcome of renting versus buying using your own figures. See how the picture shifts over 5, 10 and 25 years.

    Example values shown. Edit any field to personalise your results.

    Your renting situation
    Monthly rent
    £1,550
    Annual rent increase
    3%
    0%10%
    Investment return if renting
    5%
    0%12%
    The home you'd buy
    Property price
    £300,000
    Deposit
    £15,000 (5.0%)
    Mortgage interest rate
    5%
    1%10%
    Mortgage term
    25 years
    10 yrs35 yrs
    Annual property growth
    3%
    -5%+10%
    Annual maintenance
    1% of value
    0%3%
    Lodger or rental income (yearly)
    £0/yr
    Leasehold costs (optional)
    Show
    Annual service charge
    £0/yr

    Average for flats: around £1,500 a year.

    Annual ground rent
    £0/yr

    Typical range: £100 to £250 a year.

    Compare over
    Or fine tune10 years
    After 10 years
    Calculating...
    Disclaimer. This calculator provides estimates for educational purposes only. Actual results will vary based on market conditions, personal circumstances, and factors not included here (stamp duty, legal fees, insurance, and others). This is not financial advice. Please consult a qualified adviser before making property decisions.
    Things to consider
    • Interest rates change. Mortgage rates rise and fall.
    • Repayment mortgages assumed. Results won't be indicative for interest-only mortgages.
    • Upkeep costs money. Boilers, roofs, decorating, repairs.
    • Buying has fees. Stamp duty, solicitors, surveys, moving.
    • Property values can fall. Prices don't only go up.
    • Leasehold varies. Service charges and ground rent differ by lease.
    • Lease extensions aren't modelled. A short lease can be costly to extend.
    • Lodger income isn't guaranteed. Voids and changes happen.
    • Not financial advice. Speak to a qualified adviser before deciding.
    • *Figures do not account for taxes that may be payable.
    Legal notice

    © 2025 - 2026 Tenant 2 Owner Limited. All rights reserved.

    This Rent vs Buy Calculator is proprietary software owned by Tenant 2 Owner Limited (Company No. 16727310). The methodology and underlying formulas are protected by intellectual property rights.

    You may not reproduce, distribute, modify, or create derivative works without prior written consent.

    By using this calculator, you agree to our Terms of Use.