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

4 bed property in Greenmoor Crescent, Wakefield

Greenmoor Crescent, Lofthouse, Wakefield

£340,000

4 1 1

A FOUR BEDROOM semi detached home nestled in the SOUGHT AFTER area of Lofthouse, offering modern living with convenient access to local amenities, highly regarded schools, and excellent motorway links. VIEWING ESSENTIAL. EPC rating D64.

Pasture Drive, Castleford

£375,000

3 2 2

Presented to a fantastic standard is this THREE bedroom detached family home boasting SPACIOUS accommodation, off road parking and an attractive garden with SUMMERHOUSE. VIEWING ESSENTIAL. Awaiting EPC rating.

Battye Street, Dewsbury

£400,000

For sale by Modern Method of Auction; Starting Bid Price £400,000 plus reservation fee. Subject to an undisclosed reserve price. A freehold detached retail unit with planning in place to create two apartments upstairs and there is currently a large retail space downstairs. This property is for (...)

Wheat Close, Dewsbury

£150,000

*NO CHAIN* A ready to move into spacious end town house boasting TWO BEDROOMS, driveway and ENCLOSED garden. Ideal for the first time buyer or those looking to downsize. VIEWING ESSENTIAL. EPC rating C69.

Very helpful estate agents thank you Ben 19/11/2024

Joanne and Donna were brilliant at keeping me updated with progress of my house sale. Multiple challenges with the buyers team, but Joanne and Donna worked tirelessly to keep things moving and in my opinion did a lot of the buyers teams work for them. Overall brilliant service that I’d recommend to anyone. Thanks again both for all your help. Regards, David David 19/11/2024

Richard Kendall, and Amanda Holt in particular, were brilliant throughout the whole buying process. As a nervous first time buyer, the regular updates from the lovely Amanda throughout the process were really helpful and put me at ease. Katie 19/11/2024

The service provided by Richard Kendall's has been amazing. Given there was no seamless crossover between having sold my family house and sourcing my new home at the end of my current completion I was eager to reduce the time spent in temporary accommodation. Karen Marijewko was my saviour, her knowledge, experience of the property industry and persistence to ensure everyone was doing what they were responsible for within the process continually were outstanding. Karen's professionalism and they way she managed incompetent solicitors was excellent. She was a great support and I can't thank her enough. Helen 19/11/2024

A smooth professional service with great communication throughout. Richard Kendall really did pull out all the stops over many months to ensure an extremely complicated transaction crossed the line. I'm not sure other agencies would have managed. Highly recommended Nick 19/11/2024

I would like to thank Richard kendall's for the efficient and excellent customer service they provided during the sale of my property. Which helped in what can be a stressful period flow smoothly. I would also like to personally thank and mention staff members, Catherine and Shireen for their regular feedback and their efficiency in dealing with the Solicitors and all other matters concerned during the sale. Mr N Hinchcliffe 19/11/2024

Highly recommended! Big thanks in particular to Amber at Richard Kendall for making my first house purchase easy. Any questions were answered with a lot of guidance, expertise and I was given great advice around areas I was unsure of, and lots of additional help where my solicitor wouldn't answer. As anyone knows, things can drag on, so it was always a pleasure to be met by cheerful and uplifting staff when waiting on hold ups through the chain. Everyone was professional, prompt, and pushed when others held up the chain, I feel like you couldn't ask for more when you know someone is doing their best and helping to chase regularly and keep things moving. It was much appreciated and I'd recommend them to anyone. Thanks so much to Amber and everyone at the company involved! Jonny 19/11/2024

Really helpful and kept me informed about my house sale. Richard 19/11/2024

Really helpful - Always called me back Spot on Leah was really good at chasing up vendors/solicitors thank you! Kyle 19/11/2024

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