Fionnuala Earley, RBS Group UK consumer economist, said: "At last some good news for first-time buyers - the UK ability to buy improved by 3% in Q2 (quarter two) 2012 compared with a year earlier. But Scottish first-time buyers saw a massive 15% improvement.
"Changes to tax and National Insurance put £408 more cash per year in the average Scottish first-time buyer's pocket. This, along with a steep fall in Scottish first-time buyer house prices in Q2 2012, made it more affordable to get on to the housing ladder.
"But the rising cost of essentials continue to eat away at after tax income and reduced the increase in income available to service a loan or save for a deposit to just £215.
"The extra cash available means it should now take Scottish first-time buyers 30 months to save a deposit, four months less time than it would have done in Q1 2012 and a shorter time than anywhere else in the UK."