Mortgage Deposit vs Investment Calculator
Compare a larger deposit vs investing the difference. A smaller deposit plus investment growth can sometimes leave you better off, depending on the rate uplift.
A smaller deposit can push you into a higher rate, but it also frees up cash that could grow if invested well. The balance is whether the investment growth beats the extra mortgage cost.
Use this calculator to compare a higher deposit vs investing the difference. Adjust the rate uplift and investment returns to see when a smaller deposit could work out better financially.
We assume that in the higher deposit scenario, you will invest the mortgage payment difference, gaining the same interest rate as the lower deposit scenario.
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