Property HQ

Compares your net worth after buying versus renting and investing the difference - including buying costs, rates, levies and selling costs.

Price of the home (R)

Rent for a similar home (R/month)

Rates, levies, insurance, upkeep (R/month)

Deposit (%)

Interest rate (% p.a.)

Prime is 10.75% (SARB, 25 Sept 2026) - add your bank's margin, e.g. 11.75 for prime + 1.

Assumptions

Rent & costs increase (% p.a.)

Defaults to current CPI (SARB)

House price growth (% p.a.)

Defaults to current CPI (SARB)

Return on invested savings (% p.a.)

Defaults to CPI + 4%, a typical balanced-fund target

Over 10 years