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Anything stopping me from having a HISA and a stocks and shares ISA?
I currently have a cash ISA as well significant savings for a deposit. I am getting married and she has a HISA and hoping that we can try and buy before the end of next year. We have saving spread across high interest current accounts, regular savers and easy access too. We are thinking about getting other high interest…
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Premium bond woes
Hi, new here so hope I'm posting in the right place. I have £30,000 in Premium Bonds and up till August last year had a regular £25 prize every month on average over some 9 years. Since then, zilch, absolutely nothing for 6 months now. Is that reasonable? I wrote to them and their response was it was just the luck of the…
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Help to Buy ISA but can't afford to buy anywhere for a long time, worth it?
I don't have a job but I have £5k in the bank. I could open a Help to Buy ISA and slowly move the money from my bank account into the ISA. I'm not going to be in any position to buy somewhere for a long time (5-10 years), is it worth opening a Help to Buy ISA? Will the scheme even be around in 10 years?
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Lost money in ISA can I claim it back
I'm enquiring about claiming money lost on an ISA after poor advice from the bank. My mum and Dad lost thousands. Dad got I'll and died. Mum is now struggling with a dramatic decrease in finances and this money lost by investing will be very useful in making her life a bit more comfortable. She's a pensioner and disabled.…
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Can I split my cash isa
I have a cash isa with nationwide with 79000 pounds. I want to protect my savings without withdrawing cash and still be government protected.Can I split my isa or will I withdraw 6000 pounds and bring me below the 75000 limit.I haven't used this year's allowance
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Help to buy ISA bonus over £250k
My husband & I are looking to purchase a house together this year. My husband has started a HTB ISA as he is not a home owner, but I am. If we purchase a property over £250k will my husband still be eligible for the bonus? Is it half or the whole purchase price that is taken into consideration when a property will be…
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Tesco Current account
Hi, I have maxed out all my accounts at santander and would now like to open a tesco current account as it does not need any direct debits or minimum monthly payment. Martin has suggested this but as far as I can see you must switch a current account to them. I can't do this as my accounts are all earning 3% up to £20000…
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Isa transfer after death
Not sure if this was the correct forum but no doubt someone will advise - I am the executor of a will that has a sole beneficiary (the widow) The deceased had stocks and shares and cash ISA. I seem to remember reading it is possible to keep the tax free status for the beneficiary, but can't recall where. Is this the case…
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Help to buy ISA
Hi I would like to set up a Help to Buy ISA. However I living in Australia for the next couple of years. I am a uk citizen and have a uk bank account and am able to make the deposits. Am I still able to do this or do you have to be living in the uk. Thanks
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ISA confusion...
I have a Santander Cash ISA, they've just told me it's dropping to 0.75%. I still have about 12K left of this year contribution it states on the banking page online. Sorry, bit of a noob with this..So Virgin doing a 1.41% one, from MSE advice of course! I already have a Virgin CC to, The Defined Access E-ISA is what its…
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Isa managed fund cash in
Hi I'm new to the forum, so please be gentle! I have a 2 very simple questions that i cant find a straightforward answer to on the internet and on this forum. I have a fund managed ISA, Fidelity Global, that over the years has made 60K profit. Initial book cost was 12K. So now worth 72K If I cash this in, and transfer…
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ISA paying monthly income
Can you get an ISA that will pay interest monthly into your nominated account? Any advice appreciated.
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Flexible Isas
My OH and I are going to be moving house later this year. We have previously had to live in rented properties twice as we have not had time to buy another house after selling. (Scottish Legal System). We don't want to do that again at our age, 6 months out of our remaining life! We would prefer to be able to buy a house,…
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Help to Buy ISA - open now or wait until new tax year?
Hi all, Apologies if this question has already been asked, but I am struggling to get my head around all this ISA business. I currently have a lump sum saved for a deposit in an ISA with First Direct which I contribute to every month automatically when I get paid. My question is should I open a Help To Buy today and start…
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Can my partner buy into my home with a help to buy USA?
Hello all, Short and sweet, I'm a homeowner and I want my partner to buy into my place when she has a deposit together, the help t buy isa says that it doesn't have to be a new build purchase, so could she use the money to buy into my house or a percentage of my place? Regards, Ollie
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Savings advice plz!
Looking for some help/info on how best to split savings. Currently have. 75k in Halifax Cash ISA Fixed 1yr 1.4% 25k in current account,that needs put into savings account, I have used my ISA allowance for this tax year I had planned on putting the full 15k allowance into a new ISA (with a new bank to safeguard money),in…
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What do I need to claim the HBISA bonus?
Hi all Asked this already in the specific HBISA thread but nobody has answered... hoping someone can help here! I closed my account on 1 Feb, but have only received a standard closing statement in the post. I was under the impression I would get a special closing letter/statement to give to my conveyancer to claim the…
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Is this intrest right ?
Hi, can someone with better maths than me confirm if this interest is right? I've got a Lloyds bank fixed rate ISA 2 year and it says 2.00% gross on the page of my web account. Looking at the top line - I got £437.53 gross (what does gross mean?) on I'm guessing £26,923.02 - so shouldn't I be getting over £500 interest…
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Help To Buy ISA & Stocks and Shares ISA
Hi, Can you open a Help To Buy ISA & Stocks and shares ISA in the same Tax year? The current ISA allowance is £15,240. If I open a Help To Buy ISA then in the 1st year the max I can pay in is £3400 (£1200 in 1st month and then 11 x £200) so that would mean I had £11840 left of my ISA allowance. I've read that I can't open…
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Innovative Finance ISA (IF ISA)
I have been a heavy user of peer to peer saving since 2012 as I have been fed up with the low rates of ISAs and savings accounts. I have done pretty well and put most of my savings into zopa and ratesetter, although I know its not protected by the FSCS. This week I got an email from Ratesetter announcing their new ISA…