-
Multiple ISAs
I already have 2 ISAs from previous years with £15K in each. Can I move them to a newer ISA to gain a better rate and still invest more into a new ISA this year as I have another £15K to invest?
-
Advice on ISA's in Retirement
We are retired living on state pensions and small private pensions and rental income from our house. My husband still pays tax on his pensions and the 50% share of our rental income, of approx. £1000 per year whilst I have transferred my marriage allowance portion to him as I don't have enough income to reach my personal…
-
Partner has LISA, I have Help to Buy ISA
Hi, my partner has the lifetime ISA account and I have the Help to Buy ISA - how would this work if we were to buy a house together? Thank you in advance:T
-
Skipton transfer gone awry
Hi all, I transferred my HTB and Nutmeg LISA to Skipton earlier this year. A week before the end of the tax year I calculated and paid in another chunk of money to top it up to 4k. Unfortunately just yesterday I got a letter from Skipton, dated 3 April, to say that the total amount exceeded 4k and they returned the payment…
-
Potential problem with LISA for house purchase?
Many information sites I have looked at state that a new build can be reserved and then a deadline is set for exchange of contracts, usually 28 days and this can be a final deadline. From Skipton's FAQ on the LISA: When you come to buy, you’ll need to tell your conveyancer you want to use part or all of your Skipton Online…
-
ISA contributions for UK employee living abroad
Hi there, I am a UK employee, currently living in the UK, so definitely a resident and eligible for ISA contributions. However, since my job is computer-based and I can work from anywhere in the world, as long as there is internet, I want to move abroad permanently. My question is: Given the fact that my employer and…
-
Best savings for £12000 ish
We have around £12k we are looking to put in a savings account (or current account). We've both had the Nationwide 5% Flex-Direct ones in the last year. What options are there for us now to maximise the interest we can get? Thinking about a Tesco current account where we would put £3k in now and the £750 a month for the…
-
Problems transferring ISA - roll number vs account number
Hello, I have been trying to transfer an old ISA to a different banks ISA that I have opened, but their transfer form insists I provide an account number. My previous ISA provider has repeatedly told me I should only quote the "roll number" and that the new bank does not need an account number in addition. Furthermore the…
-
Accidently opened a 2nd ISA
So I went to renew my ISA Saver Variable online this morning, and in my stupidity I accidently opened a 2nd ISA account instead of renewing. Ive now renewed the existing one, but the new account is showing in my online banking with NIL money in I wont be paying into this one as I know you can only pay into 1 per year, but…
-
Large amount of savings..Help!
Hi. Can anyone help me with the tax system on savings please. I am looking to bring over a large amount of money from overseas and putting into a Fixed Rate Bond. I am a low income earner. Will I be taxed on it for the money will earn over £2000.00 per year interest. Thank you.
-
ISA above compensation limit
I had several isa s mature last year which were rolled up into one totalling 100 K which will mature in May I will subscribe another 20 K for the year 18/19 with the compensation limit at 85 K and my balance this year rising to 120 this year I'm beginning to feel a little bit exposed I need to keep as much in isa s…
-
Lloyds ISA - living abroad
Hello everyone. I would appreciate some help with this hopefully simple query. I moved to Japan about 2 years ago from the UK. I have some money in an ISA with lloyds. I have not payed into the ISA since I moved abroad as I know I am not allowed to do this. As I do not plan to pay into it again I am happy with it being sat…
-
Combining two Cash ISAs
I currently have two cash ISAs, with different amounts in. (I initially opened up second ISA when I was getting very close to the institution limits but then when this was later increased I just kept the two going). Is there any benefit to keeping both going or should I be looking to combining them somehow? One (the larger…
-
Best Cash ISA?
Looking for a decent home for ISA cash for 2018/19 tax year. Already have a Nationwide Loyalty ISA earning 1.4%. Have transferred in previous year's Cash ISA's and now just on the £85k savings limit. Cash likely to be needed this year for a house deposit, so don't want to tie in to a fixed period. I have an N Sand I ISA,…
-
From flexible ISA to LISA and SSISA?
I have just (this tax year) opened a Virgin Money flexible cash ISA and transferred my other ISA, which had been funded using the allowances of previous years. I have not yet used this year's allowance. My question is: can I fund the new flexible ISA now, using this year's allowance, then, towards the end of the tax year,…
-
Pre April 2017 partial HTB ISA transfer to Skipton LISA failure
My daughter initiated a partial transfer (pre April 2017 balance) of her Halifax HTB ISA to her Skipton LISA in January. This necessitated filling in an online application form and then printing out a transfer authority which had to be signed and posted back to Skipton. Everything seemed fine and the transfer showed up as…
-
Isa help
Hi I used to have an isa account with Halifax and because I didn’t use it much it went to their really poor rate. I moved it over to nationwide for better rate. It’s a help to buy isa and I didn’t really put anything in that year I opened it. Anyways I started to put money in during the last tax year. I’ve been paid…
-
Money & co p2p isa
Has anyone had an isa with money and co....... this seems to be a p2p lending isa run by Nicola Horlick.
-
Any LCF investors?
With an 8% interest isa for 3 years it’s appealing and I’m keen to invest with LCF. Does anyone have any experience with them or advice?
-
Help to Buy ISA for Person Not to Be Named on Mortgage
Hi Folks. Reading the advice on the site, it appears possible to have my wife have a Help to Buy ISA (she has never had a property) and the savings and bonus can be used towards the deposit (house in Scotland) even though she WILL NOT be on the mortgage (will be in my name as a current property owner). Has anyone got real…
