“Why pay rent when you could own?” It’s a fair instinct, but the honest answer depends on three numbers: how long you’ll stay, the cost of your capital, and the true cost of ownership.
The break-even horizon
Buying carries upfront friction, registration, agency and, if financed, arrangement fees. Spread over a short stay, these can outweigh the equity you build. Over five years or more, ownership usually wins.
The questions that decide it
Will you stay put? Is your income stable? Could that capital earn more elsewhere? There’s no universal answer, only the right one for your situation. That’s the conversation we have with every client.
