UK Property Strategy Simulator (Rent vs Buy)

Detailed Inputs

1 Your Baseline (Renting)

Current Rent (£/mo)

Assumptions

Stock Growth (%)

Property Growth (%)

Tax Band

First Time Buyer?

Total Monthly Budget:

Fixed budget assumption. If buying is cheaper than rent, the surplus is automatically invested.

2 Main Home

Property Price (£)

Deposit (%)

Deposit (£)

Mortgage Rate (%)

Post-Work Value

Have a Lodger?

Income (£/mo)

Years

Stamp Duty:

Monthly Mortgage:

Total Cash Needed:

⚠️ Insufficient Cash

3 Investment (BTL)

Price (£)

Deposit (%)

Rent Yield (%)

Monthly Rent (£)

Mortgage Strategy

Overpayment (£)

Ownership Wrappers:

Personal Name

Mortgage Rate (%)

Limited Company

Mortgage Rate (%)

Stamp Duty:

Est. Monthly Rent:

Monthly Mortgage:

Total Cash Needed:

⚠️ Negative Cash Flow: Mortgage > Rent. If using "Repayment", this may be forced savings (Equity) rather than a loss.

Rent: The baseline. You rent forever and invest the surplus cash flow into stocks.

Buy Home: You buy the main residence defined in the Sidebar to live in.

BTL: You continue Renting personally, but buy an Investment Property (Buy-to-Let).

Home + BTL: You buy both a Main Home AND an Investment Property.

Simulation Controls

💰 Liquid Cash Mode (Recommended): Shows what you would have if you sold everything today (deducting fees and exit taxes).

📄 Gross Equity Mode: Shows "Paper Wealth" (Asset - Debt). Ignores selling fees and taxes.

📉 Values are adjusted for inflation (Real Terms). This shows purchasing power in today's money.

⏱️ Time Travel Inspector Scrub the chart above

Unrecoverable costs: Rent, Interest, Maintenance, Taxes, and Fees.

Data Snapshot

Strategy

🎓

Transparency Report

We believe in "Show, Don't Tell." Below is a verifiable, step-by-step breakdown of exactly how your numbers were calculated for Month 1.

🇬🇧 UK Property Strategy Simulator

Simulation Controls

⏱️ Time Travel Inspector Scrub the chart above

🛡️ Strategy Stress Test

Data Snapshot

Transparency Report