SOUTHWARK, LONDON / FIRST-TIME BUYER · EXAMPLE

A home. Or a head start.

Three ways to put your money to work. See what you could walk away with.

ONE STARTING POINT£75,000£3,000 take-home / monthAll scenarios start 1 September 2027

THE LONG VIEW

Wealth, over time

Hover to explore · click to set year

Rent & investOlder flatNew build + loan

Future pounds · after selling costs and estimated investment taxSame income. Same starting capital.

CAN IT FIT YOUR MONTH?

The monthly reality

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See every monthly cost

Renting means a room in a shared home. Buying means a whole private flat. This comparison assigns no financial value to that lifestyle difference.

WHAT WOULD CHANGE THE ANSWER?

The tipping points

At 5 years

Explore the market sensitivity map

Each cell shows the highest projected net worth. Investment return runs across; older-flat annual growth runs up. The new-build curve and all other assumptions stay as entered. Tap a cell to apply it.

FOLLOW THE MONEY

What you walk away with

Open the full financial ledger

All figures in nominal future pounds. Rows with “−” are deductions; subtotals are not additional cash flows.

MAKE IT YOURS

Under the surface

Default assumptions

Every amount is editable. Current published costs are treated as starting estimates for September 2027; they are not future quotes. Reset arrows restore individual defaults.

A model you can look inside.

Monthly cash flows. Proper amortisation. Clear assumptions.