Navigating Your First Home Purchase - Richard Kendall Estate Agents

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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

3 bed property in Philip Garth, Wakefield

Philip Garth, Outwood, Wakefield

£220,000

3 1 1

A three bedroom semi detached home on GENEROUS corner plot with driveway in a cul-de-sac location. VIRTUAL TOUR AVAILABLE. Awaiting EPC rating.

2 bed property in Primrose Lane, Wakefield

Primrose Lane, Calder Grove, Wakefield

£199,950

2 1 1

A characterful two bedroom cottage with loft room and parking, ideal for the FIRST TIME BUYER. VIRTUAL TOUR AVAILABLE. EPC rating

$2 bed property in Plover Avenue, Pontefract$

Plover Avenue, South Elmsall, Pontefract

£185,000

2 1 1

A MODERN two bedroom townhouse with driveway and ENCLOSED garden on popular South Elmsall development. VIRTUAL TOUR AVAILABLE. EPC rating B87.

3 bed property in Carr Gate Drive, Wakefield

Carr Gate Drive, Carr Gate, Wakefield

£320,000

3 1 2

Superbly appointed throughout and set back from the main roadside is this attractive and EXTENDED three bedroom semi detached house benefiting from TWO RECEPTION ROOMS, attractive gardens, driveway parking and GARAGE. EPC rating D55

I recently sold a property with Elizabeth Cooke as the property consultant and the service has been nothing short of exceptional. Great feedback during the listing phase to keep interest in the property, through to weekly updates and A+ chasing of the chain to keep everything on track in the sale phase. Highly recommend, you're in safe hands here. Stephen 03/02/2026

Alice has been so helpful and friendly with my rental application - no question is ever too much! Karen 03/02/2026

Karen Marijewko was excellent and provided us with weekly updates during a difficult sale due to changes in deeds. Thanks for all your help Michael 03/02/2026

Sarah and the team at Normanton has been great with our sale, kept us up to date with proceedings both up and down the chain. Thanks for all the effort Sarah. Lodewikus 03/02/2026

Leah was absolutely amazing throughout my whole house buying process. From start to finish she chased things up and updated me, always had good communication and answered any questions/queries I had promptly. Can’t fault the service at all from Leah, thank you again! Would definitely recommend. Elise 03/02/2026

Liz constantly provided an exceptional service. We had good communication with prompt follow up with all our queries related to the house we were buying. Liz was friendly and helpful throughout the whole process. Thank you Liz. AM 03/02/2026

Quick sale (did we price too low?) but everything went through within weeks. Mandy kept us updated throughout the process. We are now living the life by the coast. Happy retirement to us. Edward 03/02/2026

Alison has been fantastic throughout our home buying journey. As first time buyers, we had plenty of questions, and she supported us every step of the way. She chased things up promptly, kept us updated without us ever needing to ask, and made the whole process feel much less stressful. We’d definitely recommend Richard Kendall and especially Alison to anyone looking for a reliable and supportive estate agent. Hayden 03/02/2026

I cannot recommend Richard Kendall enough, I would urge anyone who is looking to sell their home to use this estate agents. We had previously used 2 estate agents prior to using Richard Kendall, I wish we had gone with Kendalls from the start. Friendly, approachable, will help advise you in all matters. Other estate agents need to benchmark themselves against Richard Kendalls. Jo 03/02/2026

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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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