According to Bank of Scotland’s How Scotland Lives report, more than a quarter of people (26%) believe it is normal to never be able to buy a house.

The bank’s research found that 26% of non-homeowners in Scotland think they will eventually be able to buy a home without the need for any financial assistance other than a mortgage.

It found more optimism among younger generations, with 45% of 18 to 24-year-olds and 38% of 25 to 34-year-olds believing they will be able to buy their own home.

Younger generations are more optimistic about their chances of owning their own home

Only 4% of those aged 50 and over felt the same.

Less than one in 10 (8%) of people feel they will need some financial assistance from family members in order to buy a home.

12% of 18 to 24-year-olds and 10% of 25 to 34-year-olds expect to borrow from relatives.

Those living in and around Aberdeen (40%) are most confident about buying their own home independently, closely followed by Glasgow (35%).

Fife residents are most pessimistic about home ownership, with over a third (37%) believing they will never be able to own their own home and thinking this is normal now.

Dundee (35%), Mid Scotland, Highlands & Islands and Central (all 31%) are of the same opinion.

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A fifth (20%) of non-homeowners living in South Scotland are concerned that they will never be able to buy their own home, closely followed by Fife (18%) and Glasgow (17%).

Bank of Scotland said it is “concerning” that so many Scots don’t feel they will ever be able to afford to buy their own home

Nicola Noble, mortgage director at Bank of Scotland, said: “It’s concerning that two fifths of Scots don’t feel they will ever be able to buy their own home, with a quarter of those thinking that this is a normal thing in this day and age.

“However, on a more positive note it’s reassuring that a quarter of Scots feel financially stable enough to be able to eventually buy a home without the need for financial help other than a mortgage.

“It’s possible schemes such as Help to Buy and the Help to Buy: ISA are making the younger generations more optimistic about being able to afford a home one day.”