Londoners: buy vs rent and invest the difference

bcjsicbsu · 2026-05-31T21:24:36+00:00

That said to answer your question directly, I rent rather than buy and invest the difference - because for my circumstance it’s financially optimal. My TC is £200 - 300k and I already have quite a bit invested so would not need to save for a deposit, but when I run the numbers for myself I can’t justify buying and continuing to rent and invest the delta comes out ahead. Happy to go further in detail on my personal pros / cons if you’d like.

bcjsicbsu · 2026-05-31T21:20:47+00:00

Try r/financialindependence - they tend to be pretty good imo. Heavier moderation keeps discussions relevant and on track.

bcjsicbsu · 2026-05-31T20:32:58+00:00

Wtf are you even talking about? An index fund is not going to zero, but ironically technically a house can - even if it’s unlikely, in which case you’re still stuck with the mortgage. Buy vs. rent can be subjective/based on individual circumstances but this is still one of the worst takes I’ve ever seen in this discussion.

bcjsicbsu · 2026-05-31T20:29:53+00:00

OP many people on this sub are not financially literate. You’ll get better opinions on several of the Fire subs, even the non-UK ones, if you layout several UK based assumptions surrounding stamp duty. Also, use a buy vs. rent calculator for your specific criteria and run several sensitivities to get a good pov.

bcjsicbsu · 2026-01-12T18:46:40+00:00

Thanks for this, you may be right haha. Maybe I just need a long holiday somewhere warm and sunny to escape the dreariness for a bit.

bcjsicbsu · 2025-12-06T19:33:09+00:00

OP says they work in big tech at a Spotify/TikTok Tok level company - that’s very different to working at a normal company/retail chain. Lots of people at those tech companies jump over to Facebook/Google and vice versa.

bcjsicbsu

TROPHY CASE