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  • FIRST POST
    • JustAnotherSaver
    • By JustAnotherSaver 10th Jan 18, 11:36 PM
    • 2,832Posts
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    JustAnotherSaver
    Couple HTB-ISA questions
    • #1
    • 10th Jan 18, 11:36 PM
    Couple HTB-ISA questions 10th Jan 18 at 11:36 PM
    You can get the bonus up to 1st December 2030. What happens after that?
    Does your ISA continue as it is - with all your deposits you've made over the years as well as interest but that's it, it'll just be like a regular ISA then?


    I read about the HTB ISA:
    Importantly, you only get it on completion of a home purchase. You don’t get it at the “exchange” stage, where buyers typically put down a 5% or 10% deposit to guarantee the purchase.
    May or may not end up being a problem. Out of interest is it the same for the LISA or do you get the LISA money at exchange?

Page 1
    • eskbanker
    • By eskbanker 11th Jan 18, 12:42 AM
    • 6,096 Posts
    • 6,122 Thanks
    eskbanker
    • #2
    • 11th Jan 18, 12:42 AM
    • #2
    • 11th Jan 18, 12:42 AM
    I read about the HTB ISA:
    Importantly, you only get it on completion of a home purchase. You don’t get it at the “exchange” stage, where buyers typically put down a 5% or 10% deposit to guarantee the purchase.
    May or may not end up being a problem. Out of interest is it the same for the LISA or do you get the LISA money at exchange?
    Originally posted by JustAnotherSaver
    Scheduling of bonus payments is completely different between HTB and LISA - with HTBs it's a one-off bonus paid at the time of completing the eligible property purchase (if before 2030!) but with LISAs the bonuses are added as you go, paid into the account the month after any qualifying contributions are made (or April 2018 for all 2017/18 contributions).
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