Navigating Your First Home Purchase - Richard Kendall Estate Agents

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Mortgages

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Mortgage Types: Fixed-rate mortgages offer stability with consistent payments, while adjustable-rate mortgages may start lower but fluctuate with market conditions.
Interest Rates: Securing a favorable interest rate can save you thousands over the life of your loan. It's worth shopping around and negotiating for the best rate.
Deposit Requirements: Typically, a higher deposit means better loan terms and lower monthly payments. Aim for at least 10-20% of the property's value.

First-Time Buyer Programs: A Helping Hand

The UK government offers several schemes to assist first-time buyers:

Help to Buy: Equity loans available for new-build homes, with only a 5% deposit required.
Shared Ownership: Purchase a share of a home and pay rent on the remaining portion, making it more affordable to get on the property ladder.
Lifetime ISA: Save for your first home tax-free, with the government adding a 25% bonus to your savings.

Preparing for Approval: Strengthening Your Application

A strong mortgage application can make all the difference. Here's how to enhance yours:

Credit Score: Check your credit report for errors and work on improving your score by paying bills on time and reducing debt.
Employment Stability: Lenders favor applicants with steady, reliable income. Aim for at least two years of consistent employment history.
Debt-to-Income Ratio: Lowering your debt-to-income ratio demonstrates to lenders that you can manage your finances responsibly.

Richard Kendall's Commitment: Your Partner in Homeownership

At Richard Kendall Estate Agents, we're more than just property experts; we're your partners in making your dream home a reality. Our team is here to offer personalized advice, connect you with trusted mortgage advisors, and support you at every turn.

For first-time buyers, the path to homeownership is an exciting one, and we're honored to be a part of your journey. Reach out to us today, and let's take the first step together towards the keys to your new home.

Latest Properties

West View Terrace, Wakefield

£220,000

2 1 1

An ideal property for the FIRST TIME BUYER or small family is this TWO double bedroom end terrace property boasting SOUTH FACING garden. VIEWING ESSENTIAL. Awaiting EPC rating.

The Green, Sharlston Common

£170,000

2 1 2

A TWO bedroom mid terraced cottage with GARAGE, off road PARKING and good sized RECEPTION space throughout. VIEWING ESSENTIAL. EPC rating D57.

Shaw Avenue, Normanton

£250,000

3 1 2

A SPACIOUS three bedroom semi on a CORNER PLOT with conservatory, GENEROUS gardens and ample parking. VIRTUAL TOUR AVAILABLE. EPC rating C76.

4 bed property in Jenkin Road, Wakefield

Jenkin Road, Horbury, Wakefield

£945,000

4 4 2

This BEAUTIFULLY refurbished four bedroom home offers MODERN, high specification living with spacious interiors, LANDSCAPED South-facing gardens, and excellent parking behind PRIVATE electric gates. A viewing comes HIGHLY recommended. Awaiting EPC rating.

I have recently purchased a property through Richard Kendall Estate Agent. The service was excellent from Emily Dunbar. She chased solicitors for me and constantly kept me updated with the progress. Emily is a credit to Richard Kendall's. Thanks Emily for everything. Adele 10/12/2025

Donna and Joanne were superb at helping and supporting me through quite a difficult sale. Communication and follow up was excellent and everything was dealt with in a friendly and professional manner I would certainly recommend Richard Kendall to all my friends and family. Jill 10/12/2025

We have used Richard Kendall for many years so when deciding to sell our loved property due to heath issues this was the company we straight away contacted initially David at the Wakefield Office and then we were luckily put with senior consultant Karen Marijewko. Karen was so thoughtful and kind she knew about our health problems and went out of her way to guide us through the process of selling and buying .She is a senior property consultant and really deserves that title . If we ever have to move again I would definitely ask for Karen and would advise family and friends to do the same. Judith 10/12/2025

I had a great experience with Elizabeth Cooke from Richard Kendall for the sale of my property. She kept me informed throughout the entire process and was always proactive in chasing things up and staying in regular contact. Her communication was clear, consistent, and always reassuring, which made everything feel easier and less stressful. Liz’s professionalism, friendliness, and dedication was outstanding. I’m so grateful for all her hard work in getting my property sold. Would highly recommend her to anyone looking for a friendly, professional, reliable and supportive estate agent Liz 10/12/2025

Really pleased with all the staff, especially Leah, they kept me up to date throughout the whole process of buying our house, it was easy to get hold of them and on the rare occasion I couldn’t they responded back very quickly cracking estate agents. Graham 10/12/2025

We recently sold a relative's home through Richard Kendall and the service was excellent. The team and in particular our main contact Mandy at the Ossett office kept us informed and updated throughout, explaining where we were at every stage of the process. A professional yet personal service and we would recommend Richard Kendall to anyone thinking of buying or selling a home. Nigel 10/12/2025

Would highly recommend Richard Kendall, this was the second time I’ve used them for selling a house. Amber in the Pontefract office dealt with my sale and she was really helpful, friendly, professional and kept me up-to-date with everything going on with the sale and the wider chain. Thank you! Chris 10/12/2025

Amazing service from Catherine and Shireen at the Wakefield City Branch. They have made the process of moving house so smooth and always kept us up to date with any progress. Can't recommend them enough! Gemma 10/12/2025

We were selling my mum and dad’s house and was an emotional time for me and my sister. Sarah at the Normanton branch dealt with the sale from start to finish. I cannot recommend Sarah enough and she is a credit to Richard Kendall. She kept us informed all the way through and answered any questions we had. She was professional and friendly and made what was a sad time selling the family home easier. The sale was quick and seamless due to Sarah. Thank you Richard Kendall’s, I would recommend them to anyone selling their property Claire 10/12/2025

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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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