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  • FIRST POST
    • kezzygirl
    • By kezzygirl 16th Jul 17, 10:58 AM
    • 548Posts
    • 600Thanks
    kezzygirl
    lisa, htb isa, can we use both?
    • #1
    • 16th Jul 17, 10:58 AM
    lisa, htb isa, can we use both? 16th Jul 17 at 10:58 AM
    Hi everyone,

    I have a HTB ISA and so does hubby. I also have just opened a LISA to start the clock ticking for transferring from my HTB ISA to my LISA in April to get the full bonus.
    My question is, when we come to buy, can hubby use the funds from his HTB ISA and I use the funds from my LISA to purchase a property? I think the LISA is a better deal, so will not be using my sole HTB ISA to buy.

    I can't find anywhere that tells me the answer, so your help would be appreciated!
Page 1
    • kezzygirl
    • By kezzygirl 17th Jul 17, 7:18 PM
    • 548 Posts
    • 600 Thanks
    kezzygirl
    • #2
    • 17th Jul 17, 7:18 PM
    • #2
    • 17th Jul 17, 7:18 PM
    Anyone any id3as?
    • Rich2808
    • By Rich2808 20th Jul 17, 10:04 AM
    • 455 Posts
    • 381 Thanks
    Rich2808
    • #3
    • 20th Jul 17, 10:04 AM
    • #3
    • 20th Jul 17, 10:04 AM
    You can have both - unless you are over 40 and can only have a HTB ISA. But you can only get one bonus each - either a lifetime ISA or HTB ISA - when you buy your first home.

    The lifetime ISA gives the better bonus and has a £450k limit for house purchases - higher than the limit for the HTB outside London - but you can't get the bonus if want to buy before next April.
    • kezzygirl
    • By kezzygirl 20th Jul 17, 8:08 PM
    • 548 Posts
    • 600 Thanks
    kezzygirl
    • #4
    • 20th Jul 17, 8:08 PM
    • #4
    • 20th Jul 17, 8:08 PM
    Thanks, so we cannot use the funds from both to fund our first home? so, I submit my LISA funds and hubby submits his HTB ISA funds when we buy?
    • Ed-1
    • By Ed-1 20th Jul 17, 9:01 PM
    • 1,904 Posts
    • 1,013 Thanks
    Ed-1
    • #5
    • 20th Jul 17, 9:01 PM
    • #5
    • 20th Jul 17, 9:01 PM
    Thanks, so we cannot use the funds from both to fund our first home? so, I submit my LISA funds and hubby submits his HTB ISA funds when we buy?
    Originally posted by kezzygirl
    Is your hubby eligible for a LISA too?
    • kezzygirl
    • By kezzygirl 20th Jul 17, 9:06 PM
    • 548 Posts
    • 600 Thanks
    kezzygirl
    • #6
    • 20th Jul 17, 9:06 PM
    • #6
    • 20th Jul 17, 9:06 PM
    Is your hubby eligible for a LISA too?
    Originally posted by Ed-1

    no, he is 44 I am 32
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