Buying your first ever home is more difficult than ever before and, in some areas of the country, may seem like nothing more than a pipedream.
The regional disparities in average house prices and annual income can be huge depending on where you live in the UK, but where works out as the most and least affordable to get your foot on that first rung of the property ladder?
To find out, we've divided the amount needed for a 15% deposit by average annual income in each of the UK's most populated towns and cities to create a deposit to income ratio (the lower the better), as well as estimating the average monthly mortgage repayments in each too.
It's perhaps no surprise to see that most of the most affordable towns and cities were found in the North, where although earnings are usually lower, house prices are too.
Do bear in mind that on top of the costs outlined below, you'll also need to make sure you have enough funds to cover additional costs such as conveyancing. So it is really important to shop around and compare the best conveyancing quotes.