Should I buy, or keep renting and invest the money instead?
Buying can build property equity. Renting can keep more capital liquid and available to invest. Styrvia lets you compare both paths, including how differently market and property risk can affect them.
Personal Early Access: this page describes modelling in the live Early Access product at app.styrvia.com.
Start from the same Starting Point. Change only this decision.
Only change what differs from the Starting Point.
Buy or rent?: illustrative result
A typical comparison can show renting preserving more accessible money in the early years because no deposit and purchase costs are tied up, while buying can build more property equity later. Neither path is automatically better: the crossover depends on holding period, rent, mortgage cost, property growth, transaction costs and what happens to money that remains investable.
Fictional illustration. Results change with the household inputs and assumptions used.
Research mortgage tax relief, buyer support, financing costs, property taxes and other local housing rules before comparing the paths.
What to look at in Styrvia
Look at accessible money first, then compare long-term wealth and resilience. A path that ends with more wealth can still create tighter liquidity along the way.
How much liquidity is left after a deposit and purchase costs?
The deposit and purchase costs reduce accessible money at the start because cash is converted into property equity or spent on the transaction. Styrvia shows that immediate liquidity change alongside the mortgage, property value and long-term wealth path.
At what holding period do the two wealth paths begin to converge?
The crossover is not fixed. It moves with the holding period, purchase and sale costs, rent, mortgage cost, property growth and what happens to money that remains investable while renting. Comparing the paths year by year shows when the gap narrows or reverses.
How do mortgage rates, rent growth and investment returns change the result?
Higher mortgage rates increase the cash cost of ownership, faster rent growth raises the cost of renting, and higher investment returns can improve the rent-and-invest path. Styrvia lets you change each assumption separately so you can see which one materially moves the comparison.
One decision often connects to another.
A higher end balance is not the whole answer.
Use Market simulation to compare a range of possible future paths, and Past-market test to see how each housing-and-investment choice behaves through difficult historical sequences. That helps separate expected wealth from liquidity and downside risk.
Model your own numbers and compare your own paths.
Start from your own Starting Point and change the assumptions that matter.