{"id":27647,"date":"2023-03-08T04:15:00","date_gmt":"2023-03-08T12:15:00","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=27647"},"modified":"2023-02-14T14:35:43","modified_gmt":"2023-02-14T22:35:43","slug":"renting-vs-owning-your-own-property-what-are-the-costs-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id27647-renting-vs-owning-your-own-property-what-are-the-costs-2.html","title":{"rendered":"Is Buying or Renting a Home Financially Better?"},"content":{"rendered":"

\"is<\/a>Although there are entities out there with a vested interest in promoting the idea that it is always cheaper to buy than to rent<\/a>, that doesn’t automatically answer the question:\u00a0 When given the choice, is it better to buy or rent a home?<\/p>\n

Adding up the numbers<\/strong><\/p>\n

The average monthly cost to run a typical three-bedroom property for a first-time buyer is estimated to be only slightly less than the rent you would pay on a similar property.<\/p>\n

A combination of still-low mortgage rates by historical standards, and a squeeze on available rental property prices due to an imbalance of available rental properties and prospective tenants, has helped to widen the disparity between mortgage and renting costs.<\/p>\n

And while the cost of buying a home has definitely gone up over the last several years, it seems that these costs have risen at a slower rate than the cost of renting.<\/p>\n

Owing a property<\/strong><\/p>\n

The greatest challenge facing many would-be house buyers is the amount of deposit that they need to find, especially when house prices are continuing to rise in certain areas.<\/p>\n

The average loan to value ratio for first-time buyers is about 80%. That means most house buyers need to save significant cash in order to get onto the property ladder.<\/p>\n

The good news is that mortgage rates are still relatively low at the moment. So once you manage to raise the required level of deposit, you should be able to get a competitive mortgage deal with repayments that compare favorably against the cost of renting.<\/p>\n

It is too simplistic to just compare the cost of a mortgage against the average rent. That’s because property ownership comes with a host of other responsibilities and bills.<\/p>\n

You don’t have to ask the landlord when you want to change the decor when it is your own house. However, any repairs will be down to you. And that could be very expensive if something like your air conditioner fails or a water pipe bursts.<\/p>\n

Renting a property<\/strong><\/p>\n

A rented property checklist is much smaller in comparison. Your main concern is paying the rent and utility bills. But any repairs or maintenance will normally be the responsibility of the landlord.<\/p>\n

Some believe that is far easier and less expensive to rent rather than buy a property because they don’t have to worry about the usual wear and tear issues that you would need to address if you owned the property.<\/p>\n

There’s certainly something to be said for not having to be responsible for home repairs. It’s also great that those repairs don’t cost anything extra on top of the rent. A downside to renting is that you may have to put up with someone else’s taste in decor. It definitely inhibits your ability to stamp your personality and design ideas on the property.<\/p>\n

Probably the biggest issue that most people raise when weighing up the pros and cons of renting against buying a property, is the level of comfort and security that you can enjoy. With a rented property, you could be given notice to move and you will have to find somewhere else. When you own your own property, you can decide how long you stay as long as you keep up the mortgage repayments.<\/p>\n

Given the choice, many people would prefer to own rather than rent – assuming they can afford to. But it does sometimes come down to personal circumstances and the flexibility that renters enjoy. For example, renting is easier for those who have varied work commitments.<\/p>\n

So, is it better to buy or rent a home? Frankly, it depends.<\/p>\n

There are definitely pros and cons to both renting and property ownership. Some people are willing to make the sacrifices that hold the key to their own home. Then again, others prefer to let someone else take the strain and just pay the rent. Which one are you?<\/p>\n

About the Author: <\/strong>Edward Francis has an extensive experience as a mortgage consultant. Over the years he has built up his own property investment portfolio and he enjoys sharing his experiences online. His articles mainly appear on property investment and real estate blogs.<\/em><\/p>\n

Photo Credit: Casey Serin<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Although there are entities out there with a vested interest in promoting the idea that it is always cheaper to buy than to rent, that doesn’t automatically answer the question:\u00a0 When given the choice, is it better to buy or rent a home? 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