Kensington and Chelsea in London is the least affordable area in Britain for first-time buyers, research by building society Nationwide has found.

Properties in the royal borough typically cost 16.8 times average earnings.

This equates to an average selling price in the area of £2.3m in the past twelve months, according to estate agency Zoopla.

On the other side of the spectrum is East Ayrshire in Scotland, where you could get your first home for just 2.3 times average earnings, making it the most affordable part of Britain.

Zoopla says properties here sold on average for £132,000 in the past year.

Nationwide used data from the Office of National Statistics (ONS) to measure the typical first-time buyer house-price-to-earnings ratios in local areas across Britain.

It also researched which areas have seen the biggest improvements in affordability over the past five years, with prices in the London borough of Hammersmith and Fulham dropping from 15.6 times average earnings to 11.5 times since 2015.

This still means the average selling price in the area was around £1m over the past twelve months.

The least affordable locations in each region or nation of Britain are:

The most affordable locations in each region or nation of Britain are:

Senior economist at Nationwide, Andrew Harvey, said: "In Wales and Scotland, the respective capital cities see strong demand for housing and have the highest house price to earnings ratios.

The London borough of Hammersmith and Fulham has seen the biggest improvement in affordability over the period, [...] driven by a combination of lower prices (12% lower than five years ago) and higher earnings (up 17% compared with 2015).

“In Scotland, the city of Aberdeen has seen the greatest improvement in affordability, with average first-time buyer house price to earnings ratio declining from 4.7 to 3.2 in the last five years. This is predominantly due to the 28% fall in average prices over the period, though incomes have also risen by 7%.

“In the South West, the district of Torridge in north Devon has seen its house price to earnings ratio improve from 6.2 to 5.3.

“This appears to be due to strong growth in earnings over the period, which were 32% higher compared with 2015.

“Affordability gains in other regions have been more modest. Overall, 25% of local authorities in Great Britain have seen an improvement in affordability compared with 2015.”