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Home / What If I Wait?
⏳ Timing Decision Tool

What If I Wait to Buy?

The question keeping every first-time buyer awake. We calculate the exact cost of waiting 6, 12 or 24 months — rising prices, extra rent paid, deposit growth, and mortgage rate changes.

✓ Real 2026 UK house price data · Honest both-sided analysis

Your scenario

Enter your current situation and we'll model what happens if you buy now vs waiting.

🏡 The Property
£
£
%
£
📈 Assumptions — adjust to your view
Factor Buy Now Wait 6 months Wait 12 months Wait 24 months

📊 UK House Price Context

Average UK growth (10yr)+3.8%/yr
Best year (2021)+10.8%
Worst year (2023)-1.8%
London 10yr avg+3.5%/yr
North West 10yr avg+5.1%/yr
Scotland 10yr avg+4.2%/yr

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Mortgage Calculator
Monthly payments at any rate

💡 Reasons waiting CAN make sense

  • You're 1–2 months away from a much larger deposit (better LTV band)
  • Strong signals of local price falls in your target area
  • Your financial situation is unstable (job change, relationship change)
  • The property has specific issues needing investigation
  • Rates genuinely expected to fall significantly in next 6 months