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

Marsden Avenue, Ossett

£131,250

2 1 1

Offered to the market with 75% shared ownership is this TWO bedroom end town house boasting SPACIOUS accommodation, driveway and rear garden. Ideal for the FIRST TIME BUYER. Virtual tour available. EPC rating B81.

Park View, Castleford

£315,000

2 1 1

A semi detached bungalow with TWO GOOD SIZE BEDROOMS, modern fitted shower and open plan living/kitchen/dining room, driveway, garage and gardens.EPC rating C73

4 bed property in Laburnum Grove, Wakefield

Laburnum Grove, Horbury, Wakefield

£550,000

4 2 2

Presented to a HIGH STANDARD is this four bedroom detached home, ideal for the growing family boasting double garage and ATTRACTIVE gardens. VIRTUAL TOUR AVILABLE. Awaiting EPC rating.

Horbury View, Ossett

£1,500 PCM

3 2 2

UnfurnishedA three bedroom modern DETACHED FAMILY HOME with SUN ROOM EXTENSION, beautiful gardens, off road parking, INTEGRAL GARAGE, the principal bedroom with EN SUITE shower room/w.c., a modern kitchen diner with integral appliances.

Our experience with Richard Kendal (or Karen Marijewko) has been absolutely brilliant. Karen has been a great help with advising us on what needs doing, ensuring smooth communications between ourselves and others and even advocating for ourselves when things weren’t going smoothly. We are incredibly grateful for all help and guidance during this time and wouldn’t hesitate to recommend to others. Thank you so much Karen. Sadie 13/01/2025

Of all the people I dealt with during the sale of my property, Elizabeth Cooke was by far the best. Her communication at every stage was excellent, underpinned by a detailed knowledge of every aspect of selling. She always did exactly what she said she would and was indefatigable in chasing up all the other parties in the chain. Her pleasant and friendly manner made conversations a pleasure. Jeff 13/01/2025

Just sold my mother’s house through Richard Kendall. I have to say that they were absolutely superb and I cannot recommend them highly enough. Mandy who dealt with our sale has been absolutely terrific and has taken so much stress out of the process by dealing with all solicitors and other estate agents. I am confident that the sale would not have gone through when it did without her involvement. Matthew 13/01/2025

We put our bungalow up for sale with Richard Kendall Estate Agents … Lucy at the Ossett branch was the lady who dealt with everything. Every viewing, every offer made and finally all aspects of the completion was carried out with a very friendly and professional manner. We would wholeheartedly recommend Lucy at the Ossett branch without a problem. Julie 13/01/2025

Fantastic service and that personal touch❤️...thanks to Amanda and all the team..happy home owner 🎊🏠 Katie 13/01/2025

The company kept me updated every step of the way. Elizabeth Cooke and Joanne looked after my sale and were so helpful and great to communicate with and most importantly always available. Joe Brooke was always a pleasure to deal with too. Jo 13/01/2025

Thanks to a great team at Richard Kendall, especially Amber who was our dedicated agent for the sale who provided feedback updates and post sales contact. Couldn't have wished for a better sales experience and will definitely use again or recommend. Andrew 13/01/2025

Sarah kept us informed the whole way through the process which was very useful in what turned out to be a rather stressful process, not in any way due to Sarah’s work. She was always responsive via email or followed up with a phone call. Thank you! Sarah 13/01/2025

The Richard Kendall team were fantastic when selling my property. Andy came to the house to take photographs and was professional, friendly and took brilliant photos. Donna and Suzanne were helpful and supportive all the way through, communicating with me and ensuring everything went through smoothly. Louise 13/01/2025

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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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