{"id":23244,"date":"2026-09-18T23:02:42","date_gmt":"2026-09-18T22:02:42","guid":{"rendered":"https:\/\/yatirim.uk\/tr\/cocugu-ingilterede-okuyan-aile-ev-almali-mi\/"},"modified":"2026-09-20T10:47:08","modified_gmt":"2026-09-20T09:47:08","slug":"cocugu-ingilterede-okuyan-aile-ev-almali-mi","status":"publish","type":"page","link":"https:\/\/yatirim.uk\/en\/cocugu-ingilterede-okuyan-aile-ev-almali-mi\/","title":{"rendered":"Should Parents of a Student in the UK Buy or Rent?"},"content":{"rendered":"
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Should Parents of a Student in the UK Buy or Rent?<\/h1>\n

Buying makes sense if your child will stay in the UK for four years or more, or if you plan to keep the flat as an investment after graduation; not for a one or two year master\u2019s.<\/strong> Purpose-built student accommodation in London costs \u00a313,595 a year on average. For a family living abroad that owns another home, stamp duty on a \u00a3400,000 flat is about \u00a338,000, so the purchase tax alone equals three years of halls rent. The gain from buying comes from a long stay and rental income after graduation.<\/p>\n\n

The numbers compared: London<\/h2>\n
Item<\/th>Renting (student halls)<\/th>Buying (\u00a3400,000 one bedroom flat)<\/th><\/tr><\/thead>
Upfront cost<\/td>Deposit and first instalment<\/td>Stamp duty about \u00a338,000, legal and other costs about \u00a33,000<\/td><\/tr>
Annual housing cost<\/td>\u00a313,595 on average (about a 45 week contract)<\/td>Service charge about \u00a32,000 to \u00a33,200, insurance and maintenance<\/td><\/tr>
Council tax<\/td>Included in halls<\/td>Exempt if only full-time students live there<\/td><\/tr>
When studies end<\/td>Nothing is left<\/td>You keep the flat: it can be let or sold<\/td><\/tr>
Risk<\/td>Rent increases<\/td>Price movements, selling costs and currency risk<\/td><\/tr><\/tbody><\/table><\/div>\n

In short: for a three year degree, purchase tax and costs eat up almost all of the halls rent. Four years or more (undergraduate plus master\u2019s, or a sibling following on) and a plan to let the flat after graduation tip the balance towards buying.<\/p>\n\n

When buying makes sense<\/h2>\n