The research revealed the cost of paying off a mortgage is lower north of the Border than almost anywhere else in Britain, in effect making it easier for Scots to get on the property ladder for the first time.
Halifax found the proportion of household budgets consumed by monthly mortgages has fallen in recent years as house prices have come down, and repayment rates have plummeted.
The building society found about 19% of homeowners' incomes went towards settling mortgages on average in Scotland, compared to 36% on the eve of the financial crisis in 2007.
In East Ayrshire and West Dunbartonshire, householders spend just 15% of their incomes on paying off their house, the lowest out of anywhere in the UK.
Across five other regions, Glasgow, Renfrewshire, North Lanarkshire, North Ayrshire and Falkirk, mortgages take up between 15.1% and 15.8%. The other three lowest areas are all to be found in Northern Ireland.
The Royal Institution of Chartered Surveyors this week reported a rise in property prices for July, the second monthly increase in a row.
The body said 52% more of its surveyors reported an increased workload last month with 39% more surveyors reporting an upswing.
Craig McKinlay, Halifax mortgage director, said economic conditions and UK Government initiatives had helped make mortgages more affordable in recent years.
He said: "Substantial mortgage rate reductions and lower house prices have led to a significant improvement in mortgage affordability since the peak of the housing market six years ago.
"The Funding for Lending Scheme has helped lenders to cut mortgage rates, causing a further modest improvement in affordability over the past year despite the modest rise in house prices nationally."
Mortgage affordability helps both current homeowners keep monthly costs down while also providing a step up for those who have raised a deposit and are looking to buy their first home.
Mr McKinlay added: "The favourable mortgage affordability position is a boost for both those who already have a mortgage and those who are able to raise the required deposit to buy a home. Improved mortgage affordability has been a key factor supporting housing demand and is helping to stimulate the modest recovery that we are currently seeing.
"Significant numbers of would be homebuyers and movers remain unable to enter the market due to higher deposit requirements than a few years' ago and low, or negative, levels of housing equity.
"However, recent figures showing 10,000 aspiring homeowners have already signed up to the Help to Buy scheme demonstrate the potential of Government-backed schemes to continue to improve access to the market."
There have been significant improvements in affordability in all local authority districts across the UK since 2007, with payments falling by at least a half as a proportion of average earnings in 24 areas. More than four in five areas (82%) have seen an improvement of at least a quarter.
However, there remains a significant difference between the north and south of the country, with payments at their highest in relation to earnings in Greater London (36%), the South East (34%) and the South West (32%).
The ten least affordable areas are all in southern England, with Camden the most expensive.