News Listings

Mortgage market opening up to buyers with a smaller deposit.

Lenders return to 90% mortgage market

Monday, 13 July 2020

One major change in the mortgage market during the Covid-19 outbreak has been the withdrawal of all the 5% and most of the 10% deposit mortgage products from the market. Lenders were plainly concerned ...


Contact Harris IFA, Boston Spa Yorkshire

Coronavirus

Monday, 30 March 2020

We are taking on new clients as normal during the coronavirus outbreak, as well as servicing existing clients. Obviously this will be done via phone and email communication rather than face to face m ...


Buy to let mortgage advice - Harris IFA, Boston Spa

New 30 day capital gains tax deadline on property sales

Friday, 24 January 2020

Capital gains tax (CGT) may be due when you sell a second home or buy-to-let property. CGT is levied, at a rate of 18% or 28% depending on your other income, on the profits that you have made by ownin ...


Don't be a secondary cardholder. Harris IFA, Boston Spa, Wetherby

Why a joint credit card is usually a bad idea

Tuesday, 10 December 2019

There are two ways of getting a credit card: i) you can get a card in your own name or ii) you can be the "secondary cardholder" on someone else's credit card (typically your spouse) Many people c ...


Mortgage advice, Boston Spa, Yorkshire IFA

Check for nasty surprises on your credit file

Friday, 27 September 2019

When a first time buyer approaches us, looking for mortgage advice, one of the first things we tell them to do is check their credit file. Most people are sure that there will be no nasty surprises on ...


Mortgage advice, Boston Spa, Yorkshire IFA

The rise of retirement interest-only (RIO) mortgages

Monday, 16 September 2019

What is a RIO? Retirement-interest only mortgages (RIOs) are fairly new and are aimed at older borrowers who may struggle to get a standard residential mortgage. They allow you to borrow against your ...


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