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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 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

New Road, Middlestown, Wakefield

£975 PCM

3    1    1   

Unfurnished Attractive and spacious three bedroom mature semi detached property with UPVC double glazing and gas central heating system. An ideal family home which deserves an early viewing to fully appreciate.

Back Lane, Middlestown, Wakefield

£265,000

3    1    1   

*NO CHAIN* A superbly presented three bedroom end terrace home with countryside VIEWS, driveway parking and ENCLOSED garden. VIEWING ESSENTIAL. EPC rating D56.

Jenkin Lane, Horbury, Wakefield

£625,000

4    3   

A stylish and EXTENDED four bedroom family home with FAR REACHING valley views, high specification finish and contemporary garden in Horbury. VIRTUAL TOUR AVAILABLE. EPC rating D67.

Whitley Spring Crescent, Ossett

£260,000

3    1    1   

Situated in the sought after town of Ossett is this THREE BEDROOM semi detached home with a SPACIOUS reception room and AMPLE off street parking. VIEWING ESSENTIAL. EPC rating D65.

What Our Customers Say...

As electrical contractors, CRE Electricians have had the pleasure of working alongside Richard Kendall in Wakefield for some time now, and we consistently experience a smooth and efficient partnership. What stands out is their exceptional organisation and communication skills. Getting access to properties is always seamless, keys are sorted promptly and the team always work for one another if someones out of the office. A special mention to Alannah, Jessica and Elisa who work especially hard to ensure a smooth experience for all involved in our electrical works. We look forward to continuing our working relationship! Thanks again guys, keep up the good work! Team @ CRE Electricians Chris 15/04/2025
Just completed upon my mum’s bungalow in Horbury Wakefield. This was a complex sale (Shared Ownership Scheme) involving Landlord, their Solicitors & Managing Agents working in conjunction with my Solicitors and the Purchasers Solicitors. It was extremely challenging and demanding but was successfully orchestrated and managed by their Senior Property Consultant Mandy Bennett based in their Ossett Agency. We fully recognise and appreciate this was only achieved through the hard work and persistence of Mandy supported by her fellow colleagues in the local area. We were always kept up to date at all stages and would highly recommend Richard Kendall’s Estate Agents. Steve 15/04/2025
From the outset it was a privilege to converse with Karen Marijewko. She made the whole process very straightforward. The Richard Kendall software system updating me regularly with viewings was extremely good. Overall a simple, clear and efficient process. Highly recommend this company and Karen. Mr Snow 15/04/2025
We would like to thank Catherine and Shireen for working so hard in our selling/buying. They were so knowledgeable, polite and extremely helpful. They gave us lots of support. All the other staff were helpful too, especially Margaret. Thank you so much. Kind regards, Sue and Keith. Sue 15/04/2025
Excellent service. Can't rate Leah enough at Ossett branch. She went above and beyond to get our completion through before the end March. Alan 15/04/2025
Richard Kendall Estate Agents guided us through a tough buyer’s market when other agents pushed us to drastically lower our property’s price. Despite our urgency to sell, they advised against a steep reduction, suggesting a modest drop instead. Their insight—that finding the right buyer takes time—proved spot-on. Within a week of the adjustment, a couple fell in love with our home and bought it, leaving us wondering if we’d undersold. Alison and the team were professional, communicative, and strategic—focused on value, not just a quick sale. Highly recommend! David 15/04/2025
A very good experience with Liz at Richard Kendals. She was always in touch either by email or phone call. I would highly recommend RK. For buying and selling. Thank you to Liz and everyone at RK. Excellent customer service. Christine 15/04/2025
Just want to give Alison Hopkinson 10/10 For helping me through my sale always ringing me letting me know about the progression of my sale thanks again Alison Antony 15/04/2025
Really helpful and friendly. Made sure i was kept up to date with all developments and helped everything go smoothly and quickly. Toni 15/04/2025

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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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