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

Wesley Street, Ossett

£550,000

4 2 2

Four bedroom PERIOD HOME, which has been renovated but yet retains ORIGINAL FEATURES. With modern kitchen diner, five piece bathroom, cosy snug to the lower floor, generous DRIVEWAY PARKING, a converted garage into home office/play room and so much more.EPC rating E47

Mill Chase Road, Wakefield

OIRO £165,000

2 1 1

IDEALLY LOCATED on the fringe of the city centre is this TWO BEDROOM end townhouse boasting front and rear lawned gardens and parking for two vehicles. Ideal for first-time buyers, couples, families. VIRTUAL TOUR AVAILABLE. EPC rating C73.

Foljambe Street, Wakefield

£45,000

2 1 1

For sale by Modern Method of Auction; Starting Bid Price £45,000 plus reservation fee. Subject to an undisclosed reserve price. In need of modernisation and full refurbishment is this mid terrace two bedroom property benefitting from two bedrooms and rear parking. This property is for sale by West (...)

2 bed property in Wensley Street, Wakefield

Wensley Street, Horbury, Wakefield

£165,000

2 1 1

* A mid terrace property* No chain & vacant possession* Two good sized bedrooms* Modern kitchen & bathroom* Low maintenance gardens* EPC rating D58

Amanda and the rest of the Richard Kendall team has been amazing throughout. We've had some people cancel on the viewings and didn't show up at all but the Team didn't fail to chase them as well as keeping us updated all the time. Also, thankful for the team for following our instruction throughout and keeping us in the loop when we've sold the house. Sarah 20/12/2024

The Kendalls team are very efficient!They always answer emails/ phone calls promptly and keep me well informed.They are happy to help with any queries and sort out ongoing jobs. Kelly Scoffins has worked very hard to help us, always cheerful, friendly and nothing we ask is too much trouble. NKB 20/12/2024

The Pontefract Branch of Richard Kendall Estate Agents (operating out of Normanton) sold my property recently and we were pleased with the overall service provided. Our initial contact with "Kendall's" was enough for us to select them over two competitors who also quoted for our business. The photographs of our property were excellent, but the initial draft of our property details was "boiler-plate" and required significant revision to reflect its locational characteristics. Thankfully, this revision was completed swiftly and did not delay our property going to market. The number of viewings was a little disappointing but reflected market conditions, the price point of our property and its semi-rural location. Despite the limited number of viewings we agreed a sale within two months of our property being put on the market; we achieved more than 98% of our asking price. Unfortunately, largely due to our buyers and their advisors, it took a further six months to achieve completion. Whilst this delay was frustrating, we were kept informed of the situation by Alison Atkinson who service was calm, responsive and excellent throughout; her personal performance was 5 star! Overall, we would recommend Richard Kendall to anyone contemplating the sale of their home. Ian 20/12/2024

We recently sold and bought a house through Richard Kendall with Sarah as our estate agent. She was brilliant throughout, she always kept us up to date with weekly updates, chased replies from solicitors/ other parties in the chain and anticipated our needs when different issues cropped up, making a stressful process a lot easier! We can’t thank Sarah and the rest of the Richard Kendall team enough for all their help! We highly recommend! Ellie 20/12/2024

Very helpful and professional, made the transaction very easy Emma 20/12/2024

I have just sold a property and the whole process was managed impeccably by Mandy Bennett. Throughout the sale I received regular progress updates, she coordinated with the solicitors and when needed she gave them a nudge to ensure the sale proceeded promptly. I cannot praise Mandy highly enough, she is a pleasure to work with and her professionalism and proactive approach resulted in a speedy and stress free sale. Davd 20/12/2024

We have recently sold our property via Kendalls @ Wakefield. Our allocated agents, Shireen and Catherine dealt with a difficult sale very professionally and were always on hand to offer help and assistance. The fee was very attractive. A first sale fell through due to the purchasers home developing an issue, but a new buyer was found and the sale proceeded without any issues. Well done. Jill 20/12/2024

Many thanks Karen for your help and kindness Karen went above and beyondto help me with the saleShe kept me updated every step of the way Her service to me was second to none Thank You Karen Jean 20/12/2024

Donna and Suzanne were amazing for the purchase of our family home. They were professional and kept us informed with every step. They chased solicitors on a regular basis and answered any questions we had. Our only regret was not using them for the sale of our property, as we could not fault the service provided. Hannalease 20/12/2024

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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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