A bigger deposit gets you a better mortgage rate. But waiting means paying rent — and if prices rise, the home costs more when you get there. This weighs the trade-off honestly. It won't tell you what to do; the answer hinges on where prices go, which nobody knows.
🔑 Free · built by a UK chartered surveyor (MRICS) · on the buyer's side
The home & your deposit
Buy now vs wait
What you pay in rent for every month you hold off buying.
The assumptions these drive the whole answer
Higher LTV = higher rate.
Lower LTV = better rate.
The big unknown. Set 0 to ignore.
Mortgage rates change constantly — check current 95% and 90% LTV rates and pop your real numbers in. The defaults are just a starting point.
The honest read
—
Fill in your numbers to weigh it up.
BUY NOW
—
per month
Deposit—
Mortgage—
Rate—
Interest (term)—
WAIT FOR BIGGER DEPOSIT
—
per month
Deposit—
Mortgage—
Rate—
Interest (term)—
What waiting costs you—
What waiting gains you—
Monthly payment, side by side
The headline number you'd feel each month.
In plain English—
Save this comparison
We'll email you the tools for the next step — for when you've decided and you're ready to actually make an offer.
No spam. No selling your data. Unsubscribe anytime.
Built by a UK chartered surveyor (MRICS). Free, and only ever on the buyer's side.
This is information to help you weigh a decision — not financial or mortgage advice. Everything here hinges on assumptions (rates, house-price growth) that can and will change. The honest answer is often "it's genuinely close" — and we'll say so rather than pretend to know.