Compare what you pay in rent today against the realistic monthly cost of owning the same property.
Default rate: Moneyfacts, July 2026, best-buy 2-year fixed. Override with your own quote.
| Current rent | £0/month |
|---|---|
| Mortgage payment | £0/month |
| Est. maintenance, insurance & repairs | £0/month |
| Total cost of owning | £0/month |
This tool sets your rent against the full monthly cost of ownership — not just the mortgage payment, but a realistic allowance for the maintenance, buildings insurance and repairs that renters never see on a bill. Its main limitation is that it ignores capital growth, the opportunity cost of tying up your deposit, and the fact that a chunk of your mortgage payment each month is building equity you'll eventually own outright, none of which a like-for-like monthly comparison can capture.
This calculator is illustrative only and does not constitute financial advice. Always confirm figures with a lender, broker or HMRC before making a decision.
Property Pundit UK