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We want to hear about your Lifetime ISA (LISA) experiences
Are you planning to use your Lifetime ISA (LISA) towards your first home? Have you used one already, or tried to? We’d like to hear about your experience.Got a second-hand story about a friend or relative using a LISA? We'd love to hear that too. Or better yet, ask them to register for a Forum account and post about it…
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ISAs & Tax-free Savings Sticky
💷 Forum threads on this topic which you may find useful: * Tax Free Savings Guide Discussion Area * Lifetime ISA Discussion Area * Help to Buy ISA Discussion Area * Stocks & Shares ISAs Discussion Area * Cash ISAs: The Best Currently Available List * Transfer Cash ISAs Discussion Area 💰Helpful content from…
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LISA 25% penalty charge
My Granddaughter has a stocks and shares LISA, which (at present) is doing very well. If she cashes it out, rather than using it towards buying a house, does the 25% penalty apply to the total value of the fund, or just the amount that she paid into the fund? If the penalty is on the total value of the fund, it seems…
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The New ISA Rules from 2026
Hello all! I have a question about the new ISA rules coming into effect 2026/27. I understand we will be limited to saving just £12,000 per year. What happens if you already have £40,000 in your ISA (from years of saving) and need to keep transferring it to a new ISA at the end of every fixed ISA period? Will we be allowed…
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Cash ISAs: The Best Currently Available List
Cash ISAs: The Best Currently Available List **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. ** The current Cash ISA limit is £20,000 for the 2025/26 tax year. **As with any financial product, before opening an…
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Junior stocks and shares ISAs
I’m trying to decided between Fidelity or HL for JISAs. Can you tell me why you chose either and/or if there are any others I should consider? Thanks.
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Help with cash heads battered
Hi I have 20k in a chase standard savings account I can save about 2-5k a year my question is do I open a ISA n put it in there or what should I do with it my heads battered with all this tax talk that I don't really understand stand pls help
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eToro Cash ISA - any experience?
Has anyone tried the eToro Cash ISA? https://www.etoro.com/investing/cash-isa/ It is currently paying 4.67% variable for 12 months (including a bonus).
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Flexible S&S ISA
HL’s ISA doesn’t seem to be flexible. Is there such a product? As I am retired, a flexible option might be useful Thanks.
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HMRC Tax Due
Just received a letter from the HMRC of tax I owe from interest I have earned they are saving I have held a bank account with J P Morgan and I have gone over the personal allowance I have never held a J P Morgan account all I can think of it was when I had a T212 ISA So a little confused
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Starter Savings Rate for higher rate tax
My father is a very cautious investor..his is retired, but has no income other than the interest payments from his savings (no pension, rental or dividend income). I have a question about the use of the starter savings rate in the fortunate situation where the annual income from his savings will be over the higher rate 40%…
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Transfer Cash Lisa to S&S Lisa after 40.
Hi, My cash isa rate is pitiful, and I have completed my first time home purchase without using my cash LISA, therefore the lisa wont be touched for a fair few years at retirement. I am happy to let my lisa sit for a further couple of decades but obviously want more than the 3% or so the nottingham is giving me, what are…
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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest. They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
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Cash ISA transfer - Charter to Vanquis
Has anyone transferred a variable cash ISA from Charter to Vanquis? How quick are transfers? Do they both use electronic systems?
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New £12,000 limit on Cash ISA
Ok so in the future we will apparently limited on how much we can put in a Cash ISA. Apparently we will still be able to put a total of £20,000 in a ISa but £12,000 in a cash ISA and the rest I presume in a stocks and shares ISA. if that’s the case then how are we limited other than by the range of companies we can use.…
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Cash ISAs capped at 12,000 (a year)
Amount under-65s can put into cash Isas (Individual Savings Accounts) capped at £12,000, with the rest of the £20,000 allowance reserved for investments
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Transfers from S&S ISA to be scrapped
I read a daily mail article today saying our wonderful chancellor is cancelling the ability to transfer S&S ISA back to cash ISA’s, I appreciate this is to stop people putting in the additional £8k into the S&S ISA and transferring back, but what about old investments I have a lot of money currently In a S&S ISA, do I need…
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isa
i had full 20000 for year 23/24 in may of this year I with drawled 11900 and replaced in several amounts back up to the 20000 but as it was last years money dose this mean I can add more ie i have added 12314.94 and with drawn -2163.66 that's the 11900 plus's 414.94 i have added and again 2163 with drawn from this year…
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Having more than one S&S ISA
I currently have two S&S ISA's with two different providers (Trading 212 and iWeb - majority of money is in iWeb). Is there any benefit to having more than one S&S ISA? I am thinking of consolidating my T212 into iWeb for ease. I don't mean in terms of fees paid etc, just the principle of having more than one S&S ISA.
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MSE News: Martin Lewis: Is a Lifetime ISA win coming in the Budget?
A penalty paid by first-time buyers accessing savings in Lifetime ISAs (LISAs) when buying homes above the scheme's £450,000 property price limit could be scrapped, it's been revealed... Read the full story: 'Martin Lewis: Is a Lifetime ISA win coming in the Budget?' If you haven’t already, join the forum to reply.
