Mortgages · Dunfermline

Mortgages in Dunfermline. The typical home needs £18,246 down.

The average home in Dunfermline (the Fife area) is £182,463 in the UK House Price Index for August 2026, up 5.1% on a year earlier. With a 10% deposit of £18,246, you would borrow £164,217.

Mortgages in Dunfermline: a Homie illustration

£182,463average home, UK HPI
£18,24610% deposit
£36,493household income at 4.5× the loan
£149LBTT for a first-time buyer

The short answer

Mortgages in Dunfermline, in 30 seconds

The price: The average home in Dunfermline is £182,463.
The deposit: 10% is £18,246. 5% deposit mortgages exist, but the rates are higher.
The income: Many lenders cap borrowing at around 4.5 times income, so a £164,217 loan needs roughly £36,493 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

Dunfermline house prices since 2016

From £120,072 to £182,463. Up 21.9% over five years.

Average price each year to August 2026, Fife.

FAQ

Mortgages in Dunfermline: your questions

How much deposit do I need to buy in Dunfermline?

At the average price of £182,463, a 10% deposit is £18,246 and 5% is £9,123. A bigger deposit usually unlocks lower rates.

What salary do I need for a mortgage in Dunfermline?

With 10% down on the average home, the loan is £164,217. At 4.5 times income that means around £36,493 a year. Each lender sets its own limits, so treat this as a starting point.

Have Dunfermline house prices gone up?

Over five years the average home is up 21.9%, and over the last year it is up 5.1%.

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