根据2026年3月的一份报告,英佛克莱德是英国首次购房者最负担得起的地区,地产价格高达当地收入的2.3倍. Inverclyde is Britain’s most affordable area for first-time buyers, with property prices at 2.3 times local earnings, according to a March 2026 report.

根据全国建筑协会2026年3月的报告, 英文的英特尔克莱德是英国首次购房者最负担得起的地方. Inverclyde is the most affordable area in Great Britain for first-time homebuyers, with property prices at 2.3 times local earnings, according to Nationwide Building Society's March 2026 report. 伯恩利和哈特尔普尔也在各自地区中排名最负担得起,而伦敦的肯辛顿和切尔西仍然是最低负担的,平均收入13.9倍. Burnley and Hartlepool also rank among the most affordable in their regions, while London’s Kensington and Chelsea remain the least affordable, at 13.9 times average earnings. 约70%的地方政府在过去一年中看到负担能力有所改善,但两年固定贷款利率上升至5.35%,增加了借贷成本. Around 70% of local authorities saw improved affordability over the past year, but rising mortgage rates—up to 5.35% for two-year fixed deals—have increased borrowing costs. 由于融资成本高,全球不确定性加剧, 贷款机构已经撤回了数百种抵押品. Lenders have withdrawn hundreds of mortgage products due to higher funding costs and global uncertainty, making home purchases more difficult. 近一半地区10%的存款超过25,000英镑，但在约10%地区仍低于15,000英镑。 A 10% deposit exceeds £25,000 in nearly half of areas, though it remains under £15,000 in only about 10%.