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£1000 savings allowance from April 2016
I've searched and can't see another discussion, so apologies if I've missed it. I'm trying to figure out whether the interest saved in my offset mortgage would count against the £1000 savings allowance in the next tax year? I realise all the details of how it all works probably haven't been released yet but I'm wondering…
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Closure of RBS Tracker ISA
Is anyone else affected by the closure of the RBS FTSE 100 Tracker Stocks & Shares ISA? I've got to decide what to do with the money (around £4k). It seems they're closing it just as it plummets. Any thoughts? I could move to another stocks & shares ISA, cash ISA, switch to the RBS Growth Fund or just take the money.…
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H2B ISA - Future Renting Ability
Good afternoon, I have no intentions of renting a property, I wish to live in it with a friend as a lodger. However, I was intrigued on the implications of renting, should I get into any financial difficulties. I've read that you "can't use the H2B ISA if you're going to rent out the property", which is fair and makes…
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Cash ISA query
Hello, I've never had an ISA before but have a good lump of money saved up which I would like to put into an ISA. My question is, if I put in the maximum amount possible, £15250 for a whole year, what would happen once the interest get's paid in ? As it would take me over the maximum amount. Do I then have to move the…
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regular saving isa
after your 12 month period is up can you still keep putting in money every month and get higher rate on money already in
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Bed & Breakfast/Bed & ISA> The 30 day rule
I have been doing some trawling and am just wondering if there is a difference between bed and breakfasting and bed and ISA'ing? I read that bed and breakfasting is frustrated by the 30 day rule and share matching by HMRC which could still leave you exposed to CGT. This only applies if re-buying shares in the same company…
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CaSh ISA query
Just a quick query I currently have 2 cash ISAS with different providers.I have already paid in 10K into one of them but can I put the rest of this years allowance into the other? Thanks in advance
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Best value shares only ISA?
I'm looking for a shares only ISA platform. I need one that has the lowest charges but im prepared to compromise a little. Im currently leaning toward TDinvesting..tnx
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opened my isa...date of first payment?
Morning 😊 I have just opened a help to buy Isa with Halifax, I have up to 21days to pay in up to £1000. I was wondering when the standing order would need to start? I only ask as I am paid on 25th of every month, so didn't know if it would have to start by 25th of this month? Or, if I would be able to start it from 25th…
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Help to Buy for the interest rate only. No plan in buying in the near future
At the moment, I've got £40k in an ISA from Natwest. The ISA was opened in 2014. In this financial year (15/16) I paid into it about £7k so far, however the rates are very low. I'd like to keep all the money in a single place. I do qualify for HtB Halifax I've been thinking about opening & transferring the whole balance to…
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Help to buy ISA - how can you pay in?
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... I have transferred money into my Help to buy ISA twice now through my online banking with no issues. My partner however has tried to tranfer his £200 this month through his online banking and he is getting…
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isa conversion to a help to buy isa...
evening everyone, I am after some advice regarding my isa. I opened an isa with lloyds at the end of dec 2014, but I am keen to open a help to buy isa, but understand that I cannot do this within the same financial year. I spoke with someone at lloyds, who told me that I could close my isa a year after its inception date-…
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Merging my money
Hi I opened a htb isa with nationwide under the wrapper scheme so o have another isa. Now I'm waiting for that to get money transferred then I will go in and open the other is and put remaining 1000 into it. I have two current accounts one I opened to save some money due to my fixed isa being locked. I'm thinking of…
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Help to Buy ISA questions
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... So I am 25, want to open one of these and realized you can basically save a maximum of £200 so you would have £15,000 with the bonus as long as you purchase a house, but what if I also save another £200…
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Fully Flexible ISA
In the 2015 budget in March the Chancellor launched a " 'fully flexible' Isa, which will allow savers to take money out of their Isa and put it back in again without losing their tax free entitlement." What happened to this?
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Help to Buy Isa from overseas....
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... I'm just wondering if I can open a H2B ISA from overseas? My girlfriend and I are currently living in Australia and have been for 4 and a half years. We have been sending money back to the UK every few…
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Help to buy ISA (interest in a property)
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... A quick question (I have searched.) Does obtaining an "interest" in a property disqualify you from the subsidy, even after you open the account? To make it more clear... Open account > pay in for…
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does Help to Buy ISA make any sense?
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... Hi Looking through the ISA rules I noticed, that maximum value of the property - to qualify for the 25% govt bonus - can't be more than £250k. Now I am a first time buyer in the South - South East of…
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transfer
ive opened a htb isa with nationwide so I can transfer the 1,200 into it she only filled in forms for that one and said I will hear from hq soon. then once its all set up I can then transfer my remaining amount into the other isa as part of the wrapper. has anyone done this and was it smooth for you
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Help to Buy ISA
Official MSE Insert: We've a fully researched Help to buy ISA guide you may find helpful. Back to the original post... I have a query relating to the outside of London house price limit. Living in the South East, but outside of London, the £250,000 limit is rather restrictive for some. I can't find any information on…
