@antonia_investing: According to ONS data, UK house prices have increased approximately 4.5 times since 1997, but the majority of real-terms growth was concentrated in the period 1997–2007. Since 2007, inflation-adjusted returns from UK residential property have been significantly lower. Figures used for mortgage costs, rent, and investment returns are illustrative estimates only. An assumed annual investment return of 7% is not guaranteed. This content is for informational and educational purposes only and does not constitute financial advice. The value of investments and property can go down as well as up. Past performance is not a reliable indicator of future results. Tax treatment depends on individual circumstances and may be subject to change. Always seek independent financial advice before making any property or investment decisions.
The playbook has changed. I would be fine with renting if I knew how I would fund a roof over my head when I’m old. The issue is the cost of living in 30+ year time, which we obviously do not know. So if someone can provide a solution to that, that would be fab, I may take renting more seriously. Also being able to rent without the fear of you being booted out of your rented home. Finally, past performance of the stock market is absolutely not an indicator of future performance, so when the 7% performance is touted, that actually does not provide a lot of comfort. But it’s what we have I guess.
2026-04-19 19:05:34
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Gingerlina :
.. you’ve also advised that owning your own home and being mortgage free in your retirement is a game changer, compared with paying rent in your retirement. This is a key fact that should always be included in the rent vs buy debate..( in my opinion)..
2026-05-12 16:02:12
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EmilyBlue :
Absolutely. There is nothing wrong with renting and at certain times in life it can provide the flexibility that is needed at the time. Now unable to sell my 1 bedroom (due to slow market), I wish I had rented longer and moved directly to a family home once I was ready to have one.
2026-04-19 15:01:24
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arbershiningismaili2 :
that is so so true and I am super duper proud of you and as always you are amazing and you are always a golden shining moon crystal destiny magnetic angel honey herbal queen and a legend
2026-04-19 13:38:42
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Smel. E. Guffs :
Agreed, the financials of owning v renting are not as people think. BUT! What price on being able to hammer a nail into the wall, or paint a room the colour you want, without having to ask for permission? To me, priceless. Smel.
2026-04-22 18:38:14
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