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Research reveals the 10 cities where you can pay off your mortgage the quickest

It can take a lifetime to pay back a mortgage. But where in the UK will you have to work the most (and least) hours to pay off your big investment?
New research from Coulters Property has identified the average house price and salary in every major town and city in the UK to reveal where you will need to work the most, or least, to pay off your mortgage if you put down a 15% deposit.
The least hours needed to pay off a mortgage (by town/city):

Rank

Town/City

Average Mortgage Amount (£)

Average Hours To Pay Off Mortgage

Average Number of Work Days (8h) To Pay Off Mortgage

1

Sunderland

£96,678

7,905

988

2

Stoke-on-Trent

£99,081

8,135

1,017

3

Dundee

£109,847

8,241

1,030

4

Middlesbrough

£94,693

8,314

1,039

5

Kingston upon Hull

£96,532

8,611

1,076

6

Aberdeen

£120,193

8,716

1,089

7

Glasgow

£121,287

8,719

1,090

8

Blackpool

£92,044

8,997

1,125

9

Liverpool

£121,323

9,027

1,128

10

Bradford

£123,072

9,846

1,231
It’s easier to save for a mortgage up north, with Sunderland ranking No.1 for the least hours needed to pay off a mortgage. With an average mortgage of £96,678, people will only need to work 7,905 hours to pay off their mortgage.
The most hours needed to pay off a mortgage (by town/city):

Rank

Town/City

Average Mortgage Amount (£)

Average Hours To Pay Off Mortgage

Average Number of Work Days (8h) To Pay Off Mortgage

1

London

£415,785

24,487

3,061

2

Oxford

£363,580

22,695

2,837

3

Cambridge

£384,816

21,977

2,747

4

Brighton and Hove

£322,188

20,693

2,587

5

Bournemouth

£248,889

19,567

2,446

6

Watford

£304,470

18,982

2,373

7

Slough

£256,256

17,564

2,195

8

Southend-on-Sea

£246,847

17,083

2,135

9

Bristol

£253,751

16,996

2,125

10

Reading

£242,204

16,890

2,111

Unsurprisingly, London is the city where it takes the longest to pay off a mortgage, followed by Oxford and Cambridge where people need to spend 22,659 and 21,977 hours to pay off their mortgage.