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Scotland aberdeen arbroath brechin dundee inverness glasgow edinburgh stirling wales newport bangor cardiff swansea see more towns in scotland see more towns in wales. In another 45 areas, young households would need at least five times their yearly earnings to cover the cost of a starter home. This, of course is in addition to making sure your mortgage broker adheres rules of the fsa. Want to have your mortgage agreed before you make an offer?