Mortgages · Dundee

Mortgages in Dundee. The typical home needs £14,797 down.

The average home in Dundee (the City of Dundee area) is £147,974 in the UK House Price Index for August 2026, up 3.9% on a year earlier. With a 10% deposit of £14,797, you would borrow £133,177.

Mortgages in Dundee: a Homie illustration

£147,974average home, UK HPI
£14,79710% deposit
£29,595household income at 4.5× the loan
£0LBTT for a first-time buyer

The short answer

Mortgages in Dundee, in 30 seconds

The price: The average home in Dundee is £147,974.
The deposit: 10% is £14,797. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £133,177 loan needs roughly £29,595 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

Dundee house prices since 2016

From £113,868 to £147,974. Up 9.3% over five years.

Average price each year to August 2026, City of Dundee.

FAQ

Mortgages in Dundee: your questions

How much deposit do I need to buy in Dundee?

At the average price of £147,974, a 10% deposit is £14,797 and 5% is £7,399. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Dundee?

With 10% down on the average home, the loan is £133,177. At 4.5 times income that means around £29,595 a year. Each lender sets its own limits, so treat this as a starting point.

Have Dundee house prices gone up?

Over five years the average home is up 9.3%, and over the last year it is up 3.9%.

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