Coming top of the list is Brussels in Belgium, where a monthly travel pass is just £43.23, bills average at £119.13 and a monthly salary average is £1,787.12. Price per square metre currently stands at £2,791.83 for a city centre apartment – which works out as 43.99% of the monthly wage.

Comparing this with London, and we’re looking at £13,397.67 per square metre to buy a city centre apartment, which equals 143.62% of the monthly wage. Oh, and on top of that, travel cards cost £135 a month, with bills at £148 on average. Kind of puts things in perspective, doesn’t it?

But if Brussels isn’t the place for you, how about Bern in Switzerland? Despite Switzerland being known as an expensive destination, for those who actually live there, these expenses level out as wages are so much higher.

Although buyers on average look at paying £9,023.49 per square metre for a city centre apartment, the average salary for locals is the highest out of all the countries analysed - £3,447.66 a month, meaning they can afford the high prices.

In third place is Copenhagen in Denmark, potentially our favourite capital on the list thanks to its reputation as having one of the happiest populations. Notorious for style and culture, this fashion and design hot spot may look worth its weight in gold, but it’s surprisingly affordable.

Not only is travel reasonably priced, costing £47.24 for a monthly pass, but the average wage is £2,543.84 a month, which equates to 50.63% of mortgage payments. Again, a heck of a lot less than the London example.

These are the most affordable capital cities in Europe for first-time buyers