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Mortgages

We have a dedicated financial team in to assist with any mortgage advice you may need! Click here for more details.

Mortgage Guarantee scheme

The mortgage guarantee scheme allows first-time buyers to buy a home with as little as a 5% deposit, with them borrowing the remaining 95% of the mortgage.  There is a government guarantee on the scheme, meaning the government will reimburse the mortgage lender if the buyer defaults on payments.

Shared Ownership scheme

Shared Ownership allows low-income individuals to own a home by allowing them to buy a portion of the property and rent the remaining percentage.  The minimum starting stake is 10%, and you can increase this amount whenever you feel ready. An additional bonus is the fact that you only have to pay the deposit required for the portion you buy.

The Lifetime ISA

A Lifetime ISA helps first-time buyers save up for a deposit by giving topping up their savings account annually.  You can save up to £4,000 per annum, and the government adds an additional 25% on top of the amount you save, reducing the amount of time it takes to save up for your first home.

Help to Build Equity Loan scheme

The Help to Build Equity Loan scheme is useful for first-time buyers who are looking to build their own home.  This scheme offers a five-year, interest-free loan to supplement a buyer's 5% deposit. The equity loan amount ranges from 5% to 20% of the total estimated cost.

What are my mortgage options? 

Richard Kendall Estate Agent works in partnership with SMH Finance LLP who would provide the mortgage advice. Speak to one of SMH Finance LLP specialists today.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

 

Latest Properties

Jacobs Well Lane, Wakefield

£750 PCM

1    1    1   

UnfurnishedAvailable to rent is this deceptively spacious one bedroom first floor apartment conveniently located within walking distance of Wakefield City Centre, Pinderfields Hospital and Westgate train station.

Barratts Road, Wakefield

£1,650 PCM

5    2    2   

UnfurnishedAvailable to rent is this spacious five bedroom bungalow situated in a desirable cul-de-sac location off College Grove Road within walking distance of Wakefield city centre, Westgate train station and Pinderfields Hospital and a short drive away from the M1 and M62 motorways.

Goosehill Road, Normanton

£270,000

4    3    3   

A FOUR bedroom end terraced property with AMPLE reception space, a LARGER than average rear garden and off road PARKING. Awaiting EPC rating.

Valley Crescent, Wrenthorpe, Wakefield

£190,000

3    1    1   

Situated in Wrenthorpe is this THREE bedroom mid terraced property with an OPEN plan lounge diner and MODERN fitted kitchen. EPC rating D68.

What Our Customers Say...

Just sold my dad’s house with Richard Kendall and had an excellent service from start to finish. Karen Marijewko from the Wakefield office guided us through the process and was extremely professional and helpful throughout. Would highly recommend! Dawn 28/02/2026
Alice at Richard Kendall (Lettings) was an absolute star!! The process was made very easy thanks to Alice who kept us up to date at every stage of the process. Keep doing what you do, you're great!! Kevin 26/02/2026
We dealt with Shireen and Catherine at the Wakefield office for our house sale and they were fantastic from start to finish, even when the first sale fell through. They were available to speak to whenever we needed and ensured we were up to date with what was going on. Milly 20/02/2026
Just sold and bought a house through Richard Kendall. I can’t praise them enough. Karen and Emily for their first class service. Always on hand with advice and guidance. Communication was first class. Checking in weekly to keep me updated. Thank you Karen 19/02/2026
Lucy was great throughout the start to finish process of our purchase. Considering it turned out to be more complex than originally thought, she was so persistent in the getting the purchase completed as quick as she could within her powers. She was great at communication with the legal teams and never gave up and got us the best outcome ever...... our forever home. Kelly 02/02/2026

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If you are looking to buy, sell or let a property in Wakefield and surrounding areas or would like a FREE property valuation, contact us via the details below and a member of our team will be in touch.



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