The spectra of disc-dominated cataclysmic variables (CVs) often deviate from the spectra of accretion disc models; in particular, the Balmer jump and absorption lines are found to be shallower in the observations than in the models. We carried out a combined ultraviolet–optical spectral analysis of two dwarf novae (DNe): UZ Ser in outburst, decline, and quiescence, and CY Lyr on the rise to outburst and in outburst. We fit the Balmer jump and absorption lines, the continuum flux level and slope by adjusting the accretion rate, inclination, and disc outer radius. For both systems, we find an accretion rate $\dot{M} \approx 8 \times 10^{-9}\,\mathrm{ M}_\odot\,\mathrm{ yr}^{-1}$ in outburst, and $\dot{M} \approx 2-3 \times 10^{-9}\,\mathrm{ M}_\odot\,\mathrm{ yr}^{-1}$ for the rise and decline phases. The outer disc radius we derive is smaller than expected (Rdisc ≈ 0.2a, where a is the binary separation), except during late rise (for CY Lyr) where Rdisc = 0.3a. UZ Ser also reveals a 60 000 K white dwarf. These results show that during a DN cycle the radius of the disc is the largest just before the peak of the outburst, in qualitative agreement with the disc instability model for DN outbursts. We suspect that an additional emitting component (e.g. disc wind) is also at work to reduce the slope of the continuum and size of the Balmer jump and absorption lines. We stress that both the outer disc radius and disc wind need to be taken into account for more realistic disc modelling of CVs.