The Money Podcast Should You Buy or Rent in 2025? (NEW DATA)
Aug 9, 2025
Discover the pros and cons of buying versus renting in 2025. The discussion emphasizes the financial and emotional benefits of homeownership while offering a data-driven perspective on equity accumulation. Explore how inflation influences property values and can serve as a hedge for homeowners, alongside the implications for those considering investment. The importance of financial education shines through, especially in navigating the current housing market and rising rents.
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Transcript
Dream Street That Never Felt Like Home
- Rob Moore dreamt of living on a specific street and later rented nearby but couldn't make it feel like home.
- He uses this story to show spending on rentals feels like dead money compared with improving your own house.
Trade Up Without Capital Gains Tax
- Owning a UK home lets you sell, buy a bigger house, and avoid capital gains tax when trading up.
- Rob Moore calls this essentially 'trade up for free' and contrasts it with rising rents inflating living costs.
Rent Costs Far More Over 30 Years
- Rob Moore cites data showing renting across 10 main UK cities costs about £206,000 more than buying over a 30-year mortgage.
- He says reinvesting those avoided rent payments at 5% would grow that gap to roughly £338,170.