Skip to content

Byrz tools

Rent or buy is not a slogan. It is arithmetic plus assumptions.

Most versions of this comparison hide a thumb on the scale: rent counted as dead money while loan interest is not, or growth assumed without saying so. This one shows the arithmetic and hands you the assumptions.

The two paths, priced on your numbers and your assumptions

What you pay now, or would pay, for a comparable home.

Your number for the home you would buy instead.

Cash toward the price. The loan is the rest.

The rate you would borrow at.

How long you would realistically stay.

Duty, fees and conveyancing. The buying costs tool gives you this figure.

Your assumptions, not ours

Byrz does not predict prices. Empty means zero growth assumed.

How fast you assume rent rises. 3 is the prefilled knob, not a fact.

Running costs are modelled at 1.5 percent of the value a year for rates, insurance and upkeep. Estimates and general information only, built on assumptions you control, not a prediction and not advice.

Get your one-off costs figure from the buying costs tool, see how far your cash reaches, or head back to all the tools.

Byrz is a property research and buyer tool. It is not a lender or credit provider. Figures here are estimates and general information only, not an offer of credit and not financial advice. Check official scheme eligibility before you rely on it.