Four questions, one clear answer. Including stamp duty, maintenance, and what happens if you invest the deposit instead.
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This is general information, not financial advice. Figures use 2025/26 England stamp duty rates (first-time buyer relief up to £500,000; standard rates above). Assumes 4.5× income mortgage affordability is not checked here — a broker will confirm what you can borrow. Assumptions: 4.5% mortgage rate over 25 years, 3% annual house price growth, 5% annual investment return, 3% rent inflation, 1% of property value per year in maintenance and insurance, plus £2,500 in legal and survey fees. Your actual costs will differ. Property values can fall as well as rise. Always speak to a mortgage broker and a qualified adviser before deciding. No data is stored.