Rent vs buy comparison tool
Compare the long-term cost of renting versus buying to see which path makes the most financial sense for your situation.
What this calculator does
Our Rent vs Buy tool helps you compare:
• Your current rent over time.
• Estimated home loan repayments for a similar property.
• Equity built over time if you buy.
• Long-term cost difference between renting and owning.
• The impact of property growth and potential investment return.
It doesn’t just show monthly costs, it shows where your money goes over the long run.
Rent or Buy?
It depends on what matters most
Renting may suit you if:
• You need flexibility or expect to move.
• You’re still saving for a deposit.
• You’re not ready to commit to a specific location.
• Property prices feel too high right now.
Buying might be better if:
• You plan to stay put for 3+ years.
• You’ve saved a deposit (or have access to equity or grants).
• You want to build long-term wealth through property.
• You’re ready to take advantage of offset/redraw or stable repayments.
Still unsure?
Let’s explore your options together.
Book a free home buying session]with a kredi broker. We’ll help you compare costs, plan your next move, and make a decision you feel confident about.