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Bank not allowing wife to get HTB ISA as I previously owned a property
Good evening all. The wife and I booked an appointment with our bank (major UK high street bank) to discuss opening a HTB ISA in her name with a view to us purchasing a house together (joint mortgage). I have owned a property previously so know I am not entitled to the top up. Having read Martin's MSE post it seemed that…
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Can I open a Help to Buy ISA this year if I opened a cash ISA already?
So I opened a HSBC ISA last June and transferred money in from a Stocks and Shares ISA. I now want to open a Help to Buy ISA with Nationwide or Halifax. However I have some questions: * Am I allowed to transfer the HSBC ISA (remember, I only opened it in this tax year) into the Right to Buy ISAs? * My ISA is around…
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Transferring fixed rate ISA
Usually I deposit the maximum permissible amount of cash into my annual cash ISA. This year I deposited £6k in a Santander 2-year fixed rate account as that was as much cash as I had available at the time. I now have sufficient to max out my cash ISA if allowed. I've been receiving mixed messages from various banks but my…
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Help to Buy ISA eligibility question: inheritance
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... I am due a payment later this year arising from the sale of my late mother's property intestate. Does anybody know if this might affect my eligibility to a new Help to Buy ISA? Would this be classed as an…
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Will this work?
I opened another Isa with my provider as the headline rate on my existing one had dropped. The money get's shifted across and Robert's your mother's brother. Done this a few times without a problem. When I logged in next day, it was empty - I'd missed out spotting that the new one didn't accept transfers. I'd less than…
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Opening Halifax HTB ISA after maxing out subscription
Hi All, I've held a cash ISA with Natwest for several years, and have maxed out my subscription for this tax year (which I now see was foolish, but what's done is done!) I'd like to open a HTB ISA with Halifax as their interest rate is better. Having read the long thread about HTB ISAs on this forum I thought I pretty much…
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ISA maturing - what next?
Hi all My fixed rate Virgin Money ISA will mature on Sunday and 'I'm unsure what to do with my investment next. Value is over £8200 and I don't need access to it in the near future (saving to move house). Given that interest rates are so poor, would it be worth moving a proportion of it i.e. £4k into a Club Lloyds current…
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Help to Buy ISA for teenagers
We have £10.000 for each of our three children to use towards a deposit on their first property when the time comes. They are currently ages 14, 17 and 19. I would like to open help to buy ISAs for the eldest two but have some questions. Can we only deposit £1200 initially? If so, what saving accounts would you recommend…
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Help to buy ISA
Hi, Can anyone please tell me if I can start a Help to buy ISA?. Even thou I have brought and sold a flat over 21 years ago??? Been renting for over 20 years and now want to own home. Technically I'm a first time as have no assets or properties Anyone know???
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Coventry Building Society ISA - Online?
Hi if I open a Coventry Building Society ISA can I view the balance online without Coventry BS current account? Reason I ask I had a Yorkshire one once and they didn't allow it which was a pain. Thanks
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Halifax Help to Buy ISA - how do I escape (terrible customer service)?
Hi I've banked with Halifax for decades now, never had a problem. Until I opened a 'Help to buy ISA' on 8th Dec. I had an existing ISA with NSANDI with about £100 in, and Halifax said they'd ask for a transfer. They did, but NSANDI didn't transfer the money until 5th Jan. As that was after the 21 day period from opening,…
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Another where to invest for 4 years
The wife and I have 3 Santander 123 accounts each maxed out to £20k which next year will earn us most of the new Govt limit of £1k pa tax free. I am due a lump sum of £35k and do not know what to do with it. The money is to pay off my totally flexible Santander mortgage in Feb 2020 which is for £100k and has a linked…
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Help organising savings please
Hi all, Need some help organising my savings if possible please. Here's what I have and where it is: £12,350 Santander 123 2-year ISA (2.4%- matures June '16) £18,500 Nationwide Flexclusive ISA (1.6%) £1,400 Nationwide Help to Buy ISA (2.0%- intending to buy first house at some point) £1000 Nationwide Regular Saver (5%) I…
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Changing Help to Buy ISA
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... I have opened a Help to Buy ISA with Halifax because Halifax had the highest interest rate (4%) at the time. If the interest rate drops and I choose to open an ISA with another provider, can I simply…
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Withdrawing money from a saving account & calculation of interest
I have this saving account: Lloyds eSavings: 0.40% gross/AER variable on balances of £1 or more for 12 months from account opening, instant access (no charges for a withdrawal) I 've been wondering how withdrawing money from saving accounts (taking this one as an example) affects the profit. E.g. If I pay in £100 each…
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Help to buy, ISA split or transfer
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... I currently have an ISA with Nationwide. I want to get a Help To Buy ISA. I've paid into my ISA this tax year (so don't think I can just open a new ISA) and have over the £1,200 mark. I'm wondering…
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Bit confused about opening new ISA accounts
Hiya everyone! I have had an ISA account for a few years, I don't know much at all about savings accounts, but understand that it's tax free up to the allowance etc. Each new tax year I would open a new ISA account, but about a year ago I was with an advisor in my bank who said I wasn't doing it correctly (I had 2 ISAs,…
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Junior ISAs - cash and stocks/shares
Hello! Hopefully a quick and easy question for someone! I currently hold a cash Junior ISA for my child. Is it also possible to also have a separate stocks and shares ISA with a separate provider and split the contributions across the two accounts (subject to the annual allowance)? I know this is possible with adult ISAs…
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Help to buy & a Cash Isa
I have about £15k saved in a Santander cash ISA of which I've only paid in £70 this tax year. Can I open a Halifax help to buy ISA this year?
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Withdrawing from ISA
"Flexible ISA From April 2016 savers can withdraw and replace their savings in the same tax year without losing their ISA tax benefits. Savers can cover short-term needs without the long-term damage. It can also be done on Stocks and Shares ISAs if the provider allows it through a cash trading account. Let's say that it's…