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Mortgages · Dover

Mortgages in Dover. The typical home needs £28,295 down.

The average home in Dover is £282,945 in the UK House Price Index for August 2026, up 0.4% on a year earlier. With a 10% deposit of £28,295, you would borrow £254,650.

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Mortgages in Dover: a Homie illustration
  • £282,945average home, UK HPI
  • £28,29510% deposit
  • £56,589household income at 4.5× the loan
  • £0stamp duty for a first-time buyer
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The short answer

Mortgages in Dover, in 30 seconds

The price
The average home in Dover is £282,945.
The deposit
10% is £28,295. 5% deposit mortgages exist, but the rates are higher.
The income
Many lenders cap borrowing at around 4.5 times income, so a £254,650 loan needs roughly £56,589 a year, alone or jointly.
The advice
A free consultation with a specialist adviser looks at deals across the market for your own numbers.

Ten years of prices

Dover house prices since 2016

From £219,270 to £282,945. Up 6.2% over five years.

2016 2019 2022 2025 2026
Average price each year to August 2026, Dover.

Nearby

How Dover compares with its neighbours

Average home in each council area, with the change over five years.

FAQ

Mortgages in Dover: your questions

How much deposit do I need to buy in Dover?

At the average price of £282,945, a 10% deposit is £28,295 and 5% is £14,147. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Dover?

With 10% down on the average home, the loan is £254,650. At 4.5 times income that means around £56,589 a year. Each lender sets its own limits, so treat this as a starting point.

Have Dover house prices gone up?

Over five years the average home is up 6.2%, and over the last year it is up 0.4%.

How do Dover house prices compare with nearby towns?

The average home in Dover is £282,945. It costs more in Dartford (£342,167) and Ashford (£340,991). It costs less in Broadstairs (£268,549).

The rest of your move

Everything else for Dover

Mortgages nearby

Ready when you are, Dover.

Mortgages for your Dover move, tracked in the same Homemove dashboard as everything else.

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