EDINBURGH is the least affordable Scottish city for young couples and single homebuyers, who face a gap of £86,400 between the amount they need to borrow and the typical mortgage available.
People moving to East Renfrewshire face a shortfall of £63,500 and the difference is £59,200 for East Dunbartonshire, according to the figures published by location analyst CACI.
Areas such as the Western Isles, Shetlands and North Lanarkshire are much more affordable for prospective buyers, who can borrow £21,400 more than they need in the Western Isles, £17,600 in Shetlands and £16,900 in North Lanarkshire.
The prospects of getting onto the property ladder is also far higher in Glasgow and Dundee, where young buyers can borrow slightly more (£1400 and £2300 respectively) than the normal mortgage on the market.
Patrick Tate, Associate Director of Location Strategy at CACI, said the Scottish shortfalls were far less than in many English regions, such as London where the cash gap is an "eye-watering" £308,600.
But he added: "The figures still make the potential of home ownership a far-off dream for many particularly in Edinburgh.
"Prospective buyers will need to look to the more affordable areas of Glasgow, Dundee and Falkirk."
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