Have you tried buying somewhere in Scotland recently? Nowhere (in cities at least) sells for less than 20% over home report price. You can't get a mortgage for

Have you tried buying somewhere in Scotland recently? Nowhere (in cities at least) sells for less than 20% over home report price. You can't get a mortgage for anything over home report price, so a £189,000 (median price) property requires almost 60k in cash up-front. As of 2022, the median salary in Scotland is £27,000. It's pretty unaffordable for the average person who doesn't have money from their parents.