Compare the lifetime cost of buying a home with a mortgage vs renting. Includes UK stamp duty (SDLT) helper, CGT options, inflation, rent growth, property appreciation, break-even year and sensitivity analysis.
Buy vs Rent — UK Lifetime Comparison
Compare buying vs renting across the UK. Includes SDLT / LBTT / LTT, mortgage interest, property growth, rent inflation, and live sensitivity sliders.
Buy inputs
Rent inputs
Tip: use the sliders below to test scenarios quickly.
Sensitivity sliders (live)
Results
Note: Buy profit shown = Projected property value − (purchase tax + total mortgage interest). This is a simplified metric and excludes many real costs (sale fees, maintenance, insurance, opportunity cost of deposit). Use as illustration only.
