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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

Fox Lane, Durkar, Wakefield

£175,000

2    1    1   

A two bedroom end terraced home in sought after DURKAR, offering WELL PRESENTED, READY TO MOVE INTO accommodation with a light and airy LIVING ROOM, modern BATHROOM, lawned REAR GARDEN and detached GARAGE providing OFF ROAD PARKING. Awaiting EPC rating.

Matty Marsden Lane, Horbury, Wakefield

Offers over £450,000

4    1    1   

Enjoying a backwater location with superb FAR REACHING VIEWS over paddocks, fields and adjoining countryside is this individually designed FOUR BEDROOM detached bungalow with an integral double garage, set on a GENEROUS PLOT extending towards approximately one third of an acre. EPC rating G13.

Hill Top Road, Newmillerdam, Wakefield

£680,000

4    2    2   

A SUBSTANTIAL four bedroom detached family home in highly sought after NEWMILLERDAM, offering spacious SPLIT-LEVEL ACCOMMODATION, generous RECEPTION SPACE, principal bedroom with EN SUITE, DOUBLE GARAGE, ample OFF ROAD PARKING and attractive TIERED REAR GARDEN. EPC rating D63.

Stanley Road, Wakefield

£950 PCM

3    1    1   

UnfurnishedA fantastic opportunity to rent this three bedroom semi detached house benefiting from an enclosed rear garden, double glazing and gas central heating.

What Our Customers Say...

I’ve been using Richard Kendall in Horbury to manage my buy-to-let properties and have been extremely impressed with the service, particularly from Alice. As a landlord, what I value most is having someone I can trust to simply get things dealt with properly, without me having to constantly chase or get involved. Alice is excellent in this respect. She’s professional, responsive, proactive and always keeps me informed when something needs my attention. She clearly understands lettings from a landlord’s perspective and makes the whole process straightforward. Any issues are handled quickly and efficiently, communication is excellent, and I have complete confidence that my properties and tenants are being looked after properly. Having dealt with various people and businesses in the property sector over the years, genuinely good service stands out. Alice is a real credit to Richard Kendall and I wouldn’t hesitate to recommend the Horbury team to other landlords looking for a reliable managing agent. Five stars and thoroughly deserved. Jon 15/09/2026
Amanda Holt was absolutely amazing at handling the sale of our house. Every step of the way she kept us informed and updated us the minute she heard any news and was super lovely. Everything was swift, easy and stress free and I would highly recommend them. Thank you so much again. Eleanor 14/09/2026
We had a lovely experience with Miranda at Richard Kendall. She was so helpful throughout the whole process and always kept us updated. Everything felt well organised, which made buying our home so much easier. We’re very happy with the service we received and absolutely love our new home! Thank you Miranda for all your help, we would happily recommend you. Karolina 12/09/2026
Karen at Richard Kendall Pontefract has been nothing short of exceptional. Due to a number of reasons my house was on and off the market a number of times. Most people could have given up hope but Karen was amazing. She was a great source of support, she understood my situation and thankfully we did get my house sold. I’ve no doubt that’s down to Karen. She provided a truly personal and amazing service and made sure I was at ease throughout. I can’t thank Karen and the team enough. I’d highly recommend Richard Kendall to anyone. They will look after you and make your home selling journey stress free. Thanks Karen. SH 12/09/2026
Jessica has been absolutely fantastic throughout the whole process. She has always been very receptive to our queries, responding promptly and efficiently, and has been proactive in progressing the tenancy agreement with our new tenants. She is a genuinely lovely person to deal with, and her professionalism, responsiveness and helpful approach have made the entire process smooth and stress-free. Amazing service—thank you, Jessica! Dr. Prateek 09/09/2026

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