明らかにする／漏らすd: The only three areas of Britain where you'd now be better off buying rather than renting...

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Owning a home is more expensive than renting a 類似の 所有物／資産／財産 in the 大多数 of 地域s across Britain.

In nine out of 12 地域s or nations across Britain that were 跡をつけるd by Halifax, 存在 a homeowner worked out more expensive each month compared to 存在 a tenant.

These areas 含む, for example, the North East, where owning a home typically costs £1,030 a month in the form of mortgage 支払い（額）s, compared with the £907 支出 to rent.?

By contrast, there are only three 地域s where owning a first home is cheaper than renting, and these are the South West, London and Scotland.

The only 地域s where it's cheaper to own rather than rent, are the South West, London and Scotland, によれば the 最新の Halifax data

全体にわたる, across Britain, the cost to first-time 買い手s of owning a home is cheaper, with the 普通の／平均（する） 支出 of £1,231 a month.

It compares to a cost of £1,258 a month for tenants - or £27 more a month.

However, this 月毎の difference in cost is the smallest gap between home 所有権 and renting 記録，記録的な／記録するd by Halifax since 2019.

The 年次の different in owning 詩（を作る）s renting 現在／一般に stands at just £319, and was at a 類似の level of £330 in 2019.

In 2021, the difference 急に上がるd during the pandemic to £1,338, 明らかにする／漏らすing how much more expensive renting was than buying the same type of 所有物／資産／財産.

The biggest difference during the past １０年間 was in 2015, when it cost £744 a month to rent a three-bedroom 所有物／資産／財産, compared to £612 to cover the cost of owning. It led to 年次の difference of?£1,581.?

The dream of home 所有権 remains ますます out of reach for many first-time 買い手s 予定 to high house prices and 貸す人s 要求するing a large deposit.?

Amy Reynolds, of 広い地所 スパイ／執行官s Antony Roberts, said: 'Most people want to own their home, which is why 政治家，政治屋s base entire 政策s on encouraging home 所有権.

'The challenge in London is やめる 簡単に one of affordability - but with such high rents, it's the same challenge for tenants as it is for homeowners.?

'Renting in London can be a lot more expensive than having a mortgage on the same 所有物／資産／財産 so it is best to own, but where does the deposit come from?"

She said that the realities of the 所有物／資産／財産 market meant renting was now no longer a short-称する，呼ぶ／期間／用語 代案／選択肢 to buying a first home.

She explained: 'While home 所有権 remains a 重要な aspiration for many, the realities of the 住宅 market, 経済的な 条件s and individual circumstances can 影響（力） the extent to which renting is perceived as a 一時的な step or long-称する，呼ぶ／期間／用語 choice.?

'For many, homeownership will remain just a dream and those people are 罠にかける in a lettings system which isn't fully supported by the 政府.

'Either the 政府 has to support landlords and 減ずる 税金s so 利益（をあげる）s can be made, or need to 供給する 適する 賃貸しの 所有物／資産／財産 themselves, 供給するing 安定 for the many who have to rent long 称する，呼ぶ／期間／用語.

'With the Bank of Mum and Dad the only 推論する／理由 many first-time 買い手s can get on the 住宅 ladder, it is creating another two-tier system, one of wealth for those who have, and long-称する，呼ぶ／期間／用語 renting for those who do not.'

Nine out of 12 地域s or nations across Britain saw 存在 a homeowner costing more than 存在 a tenant

The 計算／見積りs by Halifax were based on the cost of owning a three-bedroom home with a mortgage, compared to renting a 類似の type of 所有物／資産／財産.

The 普通の／平均（する） owning costs 含むd mortgage 支払い（額）s and income lost by 基金ing a deposit rather than saving, along with spending on 世帯 維持／整備 and 修理 and 保険 costs.

They do not 含む one-off costs such as stamp 義務, valuation and 合法的な 料金s.

地域の differences

The cost to those owning or renting a three-bedroom 所有物／資産／財産 変化させるs across the country.

The biggest 貯金 利用できる for those renting a home rather than owning one are in the east of the country.

In that 地域, tenants are on 普通の／平均（する） £2,325 better off each year.

Tenants are also better off than first-time 買い手s in the South East at £1,859 on 普通の／平均（する）, 同様に as the East Midlands at £1,741 and in Yorkshire and the Humber at £1,731.

Choice is 制限するd for those who are looking for areas where it is cheaper to own rather than rent.

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The largest 貯金 for first-time 買い手s compared to tenants can be 設立する in the South West, where homeowners are £1,663 better off.

Kim Kinnaird, of Halifax, said: Our 最新の 分析 shows that, in nearly all 地域s across the UK, first-time 買い手s are better off renting than owning a 類似の home.

'In fact, the only 地域s where it's cheaper to own rather than rent, are the South West, London and Scotland.

'We know home 所有権 can 申し込む／申し出 long 称する，呼ぶ／期間／用語 財政上の and living 安定 and that's why we believe it's an important step to take.

'However, elevated borrowing costs, と一緒に a 欠如（する） of 利用できる homes to buy, is 押し進めるing 所有権 その上の out of reach for would-be first-time 買い手s in many parts of the country.

'This is why we're committed to helping first-time 買い手s fulfil their dreams of having a place to call their own.'