Estimate what your parents' house — or any UK property — would be worth today based on purchase price and year. Uses historical UK HPI growth rates.
Note: Lenders also consider credit history, existing debts and monthly outgoings. This is an estimate only.
Estimate the equity you could release by downsizing to a smaller property.
Stamp duty on purchase not included — use our Stamp Duty Calculator for a full breakdown.
| Decade | Start Price | End Price | Nominal Growth | Real Growth (CPI adj.) | Notes |
|---|---|---|---|---|---|
| 1970s | £5,000 | £19,000 | +280% | +25% | High inflation decade |
| 1980s | £19,000 | £59,000 | +211% | +90% | Lawson boom and bust |
| 1990s | £59,000 | £84,000 | +42% | +15% | Recession, negative equity |
| 2000s | £84,000 | £167,000 | +99% | +65% | Credit boom, financial crisis |
| 2010s | £167,000 | £247,000 | +48% | +28% | Help to Buy, London surge |
| 2020-2026 | £247,000 | £285,000 | +15% | -5% (real) | Pandemic boom, rate rises, correction |
| Region | Long-term Annual Growth | 2023-2026 Trend | Key Driver |
|---|---|---|---|
| London | 8.2% nominal | Slowing (2-3%) | International demand, jobs |
| South East | 7.5% nominal | 2-3% | London overspill, commuter demand |
| North West | 6.2% nominal | 4-5% | Manchester regeneration |
| Yorkshire | 5.8% nominal | 4-5% | Leeds growth, affordability |
| Scotland | 6.5% nominal | 4-5% | Edinburgh demand, limited supply |
| North East | 5.2% nominal | 3-4% | Affordability, investment |
| South West | 6.8% nominal | 3-4% | Lifestyle migration, remote work |
How does UK residential property compare as an investment versus equities over the long term?
| Asset Class | 30-Year Return (Nominal) | Annual Avg | Leverage Available | Tax on Main Home |
|---|---|---|---|---|
| UK Residential Property | ~400-600% | 6-7% | Yes (mortgage) | No CGT on primary home |
| FTSE 100 (Total Return) | ~500-700% | 7-8% | Limited (CFDs) | CGT above annual allowance |
| S&P 500 (Total Return, USD) | ~800-1200% | 9-10% | Limited | CGT + currency risk for UK investors |
| UK Cash / Savings | ~80-120% | 2-3% | No | Income tax on interest |
Note: Property returns shown exclude costs (stamp duty, maintenance, agents, mortgage interest). Including mortgage leverage (e.g. 25% deposit) amplifies property returns significantly. Past performance is not a guide to future returns.
This calculator helps you understand your financial position using current UK rates and regulations for the 2025/26 tax year. Whether you are planning savings, evaluating loan options, or projecting investment growth, accurate calculations are essential for making informed decisions about your money.
UK financial products are regulated by the Financial Conduct Authority (FCA). Interest rates, fees, and terms vary significantly between providers, so comparing actual costs rather than headline rates is important. This tool gives you a clear picture to inform your comparisons.
The Bank of England base rate is 4.5% as of early 2026. The Personal Savings Allowance lets basic rate taxpayers earn up to £1,000 in savings interest tax-free (£500 for higher rate taxpayers). The annual ISA allowance remains at £20,000, and the Lifetime ISA allowance is £4,000 with a 25% government bonus for first-time buyers or retirement savings.
Saving £200 per month into an account earning 4.5% AER would grow to approximately £2,454 after one year, including £54 in interest. Over 5 years at the same rate, your £12,000 in contributions would grow to roughly £13,362, earning £1,362 in compound interest.
Source: Based on current UK financial rates. Last updated March 2026.
Data verified against official UK government sources. Last checked April 2026.