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

$0 bed property in Bank Street, Pontefract$

Bank Street, Hemsworth, Pontefract

£65,000

1 1

For sale by Modern Method of Auction; Starting Bid Price £65,000 plus reservation fee. Subject to an undisclosed reserve price. Located in Hemsworth's busy town centre, 5 Bank Street is a well presented commercial property with long-standing tenants, offering a 12% yield and currently operating as (...)

Towton Drive, Castleford

£165,000

3 1 1

A spacious three bedroom semi detached home sat on a corner plot position boasting wrap around gardens and AMPLE off road parking. VIEWING ESSENTIAL. EPC rating D64.

Prince Albert Road, Wakefield

£1,450 PCM

3 3 1

Part FurnishedPresenting this fabulous three-bedroom detached home, located in a sought-after modern development. Recently decorated throughout, this spacious property is perfect for families or professionals, offering convenient access to a wide range of local amenities, including shops, schools, (...)

4 bed property in Highfield Grange, Wakefield

Highfield Grange, Horbury, Wakefield

OIRO £770,000

4 3 2

Deceptive from the main roadside is this simply stunning family home having being heavily EXTENDED to the rear and enjoying a HIGH DEGREE SPECIFICATION throughout is this four double bedroom detached family home situated in this prime part of Horbury. EPC rating C69.

I would like to thank Karen Marijewko. During the sale of my house Karen kept me informed and updated throughout the process. She is very approachable and a good communicator. All of the staff I interacted with at Richard Kendall, Wakefield office were extremely professional and helpful. Thank you all. Susan 06/09/2024

Overall very professional and friendly service provided from the beginning of our sale to completion with great advice from David who did the valuation and all the staff in the Ossett office especially Mandy Bennett who gave excellent support with very friendly and professional service throughout the whole process . Thank you so much Mandy , much appreciated . Cath 06/09/2024

We cannot speak highly enough of the level of service we received from Elizabeth throughout our purchase. She was lovely to talk to, allayed all our worries in the most stressful moments and expertly wrangled an exceptionally unruly chain of solicitors. Our weekly chats were a highlight throughout the process. Dan 06/09/2024

We used Richard Kendall Normanton branch for our recent house sale and were pleased we did. Many thanks especially to Sarah for keeping us updated on progress throughout the sale as well as answering any queries quickly and efficiently. Rachel 06/09/2024

First time Renter, Kelly Scoggins was my agent and couldn't have wished for a better person to guide me through the process. Explained everything to me in terms I could understand. Was patient with me, always helpful and even now I'm in the house and have been for over a month, is still my right hand women to help me get thins sorted and being a liaison between me and the landlord. Brilliant Person who is amazing at her job on a professional level and very caring on a personal level. Would recommend anyone to use Richard Kendall. Sean 06/09/2024

Thankyou to Richard Kendall Estate Agents who dealt with the sale of our property. Especially thank you to Sarah Whalley at the Normanton office, who was with us every step of the way, keeping in regular contact with us and dealing with all our enquiries in a friendly and professional way. I would highly recommend them to anyone - and they charge reasonable fees too. Vicky 06/09/2024

Donna and Suzanne have been outstanding throughout our entire process. Keeping in touch often, letting us know of any updates within minutes of getting them - they really went the full 9 miles for us. It wasn’t an easy process at all, however they made it feel much more manageable with their talented team and customer service skills. Their approach to every situation or hurdle we faced was with compassion and empathy, I truly recommend Suzanne and Donna to anyone who is in the market. I couldn’t have asked for better people to help us get to our new property. Thank you guys so much - we appreciate you! Logen 06/09/2024

Alannah made my day, really professional and helpful. Serena 06/09/2024

Amanda, Amber and the team have been fabulous looking after my house sale. A first class professional service with excellent communication throughout. Hawk Lifting Ltd 06/09/2024

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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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