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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

Nettleton Street, Ossett

£1,200 PCM

3    1    1   

Unfurnished Nestled at the end of a quiet cul-de-sac in the sought-after area of Ossett, this newly refurbished rental property has been finished to an exceptionally high standard throughout, offering modern living in a peaceful setting.

Woodville Way, Knottingley

£180,000

2    1    1   

Situated in Knottingley is this TWO bedroom semi detached home with a MODERN fitted kitchen, DRIVEWAY and an ENCLOSED landscaped rear garden. EPC rating B83.

Jenkin Road, Horbury, Wakefield

OIRO £395,000

2    2    1   

A top floor stunning penthouse apartment in this Grade II listed Georgian period property with TWO BEDROOMS, two bathrooms, a dining kitchen spanning the entire front of the penthouse. Enjoying fantastic rooftop views over Horbury.EPC rating D55

Barleyfield Close, Wakefield

£270,000

4    1    2   

A FOUR bedroom detached home with SPACIOUS living accommodation, larger than average REAR GARDEN, off road PARKING and GARAGE. EPC rating D55.

What Our Customers Say...

I had a fantastic experience with Richard Kendall Estate Agent. Their team was professional, knowledgeable, and incredibly helpful throughout the entire process. They made everything clear and straightforward, which really helped reduce any stress. Communication was excellent from start to finish always prompt, friendly, and transparent. They kept me updated every step of the way and were always happy to answer any questions. Abujor 10/04/2026
We used Richard Kendall to find and purchase our first property. The company, including our assigned estate agent Karen Marijewko, have been fantastic and provided service well beyond what we expected. Karen took excellent care of us, kept us updated at every stage, and pushed the sale forward, making the whole process less stressful and much more efficient for us as first-time buyers. Karen scheduled weekly updates with us and always kept to them, ensuring that information was followed up even when solicitors did not. She truly went above and beyond, and many of our family members commented that their estate agents did not come close to the level of service we received. We were extremely happy with the support provided and would be more than happy to use their services again in the future. Jakub 10/04/2026
Professional, reliable, and excellent customer service. Highly recommend Richard Kendall's. Thank you for going above and beyond! Your patience and support made a huge difference in the process. Communication was outstanding from start to finish. Every question was answered and I always felt well informed. Karen was brilliant! Always there to help and advise, she is a great asset to the team! Thank you to Sarah and Miranda too who were very helpful and friendly. Kim 10/04/2026
Donna and Joanne have been a pleasure to have as my estate agents. They have been on it none stop to ensure the sale of my property and get me and my family moved into our new home. Really can’t thank them enough for all the work they have done, they really went above and beyond. Milly 10/04/2026
Big thanks to Emily Dunbar at Richard Kendall’s Wakefield. They were handling my purchase and Emily was always proactive, timely and efficient. I always felt I knew where I was in the process. Karen 10/04/2026

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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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