Should I Buy Now or Wait?

Waiting grows your deposit — but house prices might grow faster, and you pay rent while you wait. Here's whether waiting actually helps.

Waiting only helps if your savings outpace house price growth

Your saving

Deposit saved so far (£)

Monthly saving from now (£)

How much you can add each month

Savings growth rate (% per year)

Cash ISA ~4-5% now. If investing, your assumption. Affects how fast your pot grows.

Target property price today (£)

Expected house price growth (% per year)

Varies hugely by area and period — your assumption. This is the number that decides everything.

Current monthly rent (£)

What you pay while waiting — the cost of not buying yet

How long might you wait? 2 years

1yr2yr3yr4yr5yr

The verdict

—

The race over 2 years

Your deposit grows to—

But the property rises to—

Rent paid while waiting—

Mortgage needed if you wait—

Buy now vs waiting

Deposit vs deposit needed

Does your saving catch the 10% deposit target as prices move?

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For illustrative purposes only. Not financial advice.
Everything depends on your house price growth assumption — which nobody can predict.