Getting onto the property ladder in your 20s may seem like an impossible goal for many aspiring homeowners, but research by a major mortgage provider shows that in some parts of the UK, the typical first-time buyer is as young as 27.The West Midlands features prominently on the list, with three areas of Staffordshire appearing amongst those with the lowest first-time buyer ages, according to Lloyds.South Staffordshire and Cannock Chase both recorded an average first-time buyer age of just over 27.As well as highlighting the youngest typical first-time buyers, Lloyds also looked at the most affordable locations across the UK for those attempting to get onto the property ladder, spotlighting areas where buying a home may be more achievable.East Ayrshire in Scotland was identified as the most affordable location, based on the average price paid by first-time buyers. The typical first-time buyer property price in East Ayrshire stands at £147,353, according to Lloyds, which highlighted that the region benefits from excellent links to Scotland’s central belt, with access to Glasgow and neighbouring job centres, reports Birmingham Live.This could allow buyers to combine countryside living with a manageable commute to work.Amanda Bryden, head of mortgages at Lloyds, said: “Our research shows there are still genuine pockets of value for first‐time buyers, particularly for those with an open mind who are willing to be flexible on location and property type.”With ongoing cost-of-living pressures and wider economic uncertainty, it’s completely understandable that some people are feeling cautious.”But there are opportunities out there, and for many buyers, that flexibility can make a real difference.”The data comes from Lloyds Banking Group’s housing statistics records, drawing on mortgage approval information from Lloyds Bank, Halifax and Bank of Scotland customers. Average house prices were assessed across the 12 months leading up to February.Providing general advice to those looking to buy their first home, Ms Bryden urged them to research the property purchasing process thoroughly, speak to a mortgage adviser early on and look into the various types of support available.Last week, Lloyds announced it is launching a new low-deposit mortgage which could help first-time buyers get onto the housing ladder with a deposit of only £5,000.Below are the top 10 locations with the youngest average ages for UK first-time buyers, showing the average age and typical property price for first-time purchasers, according to Lloyds:1. Ribble Valley, North West, 27.0, £219,9802. South Staffordshire, West Midlands, 27.8, £259,6783. Pendle, North West, 27.9, £188,1364. Rutland, East Midlands, 28.1, £281,1305. Cannock Chase, West Midlands, 28.3, £213,3996. North Norfolk, Eastern England, 28.4, £242,3187. Staffordshire Moorlands, West Midlands, 28.5, £219,616=8. Chorley, North West, 28.7, £221,232=8. Mid Suffolk, Eastern England, 28.7, £289,37210. Westmorland and Furness, North West, 28.8, £212,848Below are the top 10 most affordable locations for UK first-time buyers, according to Lloyds, showing the average property price for first-time purchasers:1. East Ayrshire, Scotland, £147,3532. Inverclyde, Scotland, £149,9293. Blackpool, North West, £150,7804. Kingston upon Hull, Yorkshire and the Humber, £151,1715. Na h-Eileanan Siar, Scotland, £155,3006. Hyndburn, North West, £155,9117. Clackmannanshire, Scotland, £156,0418. Merthyr Tydfil, Wales, £156,4989. South Tyneside, North East, £157,55110. West Dunbartonshire, Scotland, £159,437Below are the most affordable locations for first-time buyers across each UK region, according to Lloyds, showing the average property price for first-time purchasers:East Midlands, Bolsover, £191,564East of England, Great Yarmouth, £236,447London, Barking and Dagenham, £363,748North East, South Tyneside, £157,551North West, Blackpool, £150,780Northern Ireland, Mid and East Antrim, £175,308Scotland, East Ayrshire, £147,353South East, Gosport, £228,617South West, Plymouth, £216,166Wales, Merthyr Tydfil, £156,498West Midlands, Stoke-on-Trent, £171,569Yorkshire and the Humber, Kingston upon Hull, £151,171Get daily headlines and breaking news emailed to you – it’s FREE