REVEALED: The UK's most liveable cities - where you'll enjoy a better quality of life and more money in your pocket (while London disappoints)

Where you live can have a huge impact on your quality of life, influencing everything from your monthly finances and housing costs to your health and personal safety.Choosing the right city could mean enjoying affordable living costs, manageable rent and access to good healthcare. Get it wrong, however, and you could find yourself struggling with expensive housing, a stretched budget and inadequate local services.But what actually makes somewhere a good place to live? While factors such as employment opportunities, nightlife and transport links can all play a part, financial security, personal safety and access to healthcare are arguably among the most important considerations.With the cost of living continuing to shape where people choose to settle, finding somewhere that offers a good quality of life without breaking the bank has arguably never been more important.Now, a new ranking has revealed the UK’s most liveable cities, assessing 25 locations across the country to determine which offer residents the best overall standard of living.Compiled using Wise’s Cost of Living Index, the rankings are based on a ‘liveability score’ calculated as the average of three indices featured on the company’s website: quality of life, safety and healthcare.The results reveal some interesting contenders, with one historic UK city taking the top spot thanks, in part, to its relatively affordable cost of living. York has been ranked as the most liveable city in the UK in the study It is followed in second place by Norwich, which scores highly across factors This year, York has emerged as the top choice in the UK, with a liveability score of 85. That's largely thanks to its £872 monthly surplus and rent at 35 per cent of pay.Norwich (81.3) and Edinburgh (80.3) complete the top three. The most liveable places are, naturally, usually the more affordable ones, mainly in Scotland and the North, the study reveals. Scotland is the strongest region overall. Edinburgh, Aberdeen, Dundee and Glasgow all rank in the top ten, averaging about 77.8. Aberdeen is the best-value Scottish city, with a £1,017 surplus and rent at 25 per cent of salary. Edinburgh is the exception, with rent at 45 per cent.Northern England combines high scores with affordability.York, Sheffield, Newcastle, Liverpool and Leeds score 74 to 85. Newcastle has a £1,029 surplus and rent at 34 per cent. Hull ranks lower (68.3) but is among the most affordable, with a £1,072 surplus and rent at 25 per cent. Manchester (66) is the weak spot, with a £287 surplus and rent at 53 per cent. At the bottom of the list is Coventry, with a liveability score of 57The highest-cost places, London and much of the South, don't score better and leave residents with far less spare income.Derby (75.3) is the most affordable city in the ranking, with a £1,344 surplus and rent at just 21 per cent of salary. Nottingham (66.7), Birmingham (65) rank lower, and Coventry is last in the list, with a score of 57.Southern cities cost more for similar liveability.Oxford, Brighton, Bristol and London all have surpluses under £400 and rent taking 53 per cent to 62 per cent of salary. Oxford (76) and Brighton (73.7) score well, but their affordability is poor. Cardiff scores 72.7 with rent at 40 per cent of salary, and Belfast scores 71 with rent at 42 per cent.Florian Ramos, marketing director for Europe at Wise, said: 'Every city has its own strengths, and where you live shapes how far your money goes. 'That's why we built the Wise Cost of Living Index: people in the UK and around the world deserve transparent, easy-to-compare information when planning their everyday spending.'At Wise, we're committed to cutting the cost of managing money, so more of what people earn stays in their pockets, whether they're paying bills, sending money to family or spending abroad.'