-
Historical isa
I wonder if anyone has the answer to my question , I have a previous e isa with Santander which pays me 0.6 percent , I have not paid into this isa for this year but I have upgraded it from its previous rate of 0.5 percent online . I have just opened a isa for this year with Shawbrook Bank and have placed the full years…
-
Transfer one ISA to a new type, open old type again?!
Getting confused about transfers and limits on one ISA type subscription per year. Open IFISA, pay money in. Transfer IFISA to a brand new Cash ISA (all of it, current year & past year contributions). Open a different IFISA... ... can I pay-in new money into this new IFISA?! Or cause first one got transfered... It…
-
Interest Calculations
Hi Firstly - sorry for the blatantly dumb question but savings are generally a mystery to me! I have a H2B ISA with Halifax that pays interest annually. As i will now not be claiming the government bonus (house price exceeds threshold) am I better to move the money to an account that pays interest monthly if it is expected…
-
Coventry Building Society incorrect penalty charging to transfer ISA
I have recently transferred a 30 day notice ISA away from Coventry Building Society following their decision to cut the interest rate from 2 July. Their letter notifying this stated I had the option to transfer elsewhere without incurring the penalty charge. However, a statement from them today shows they incorrectly…
-
Can I use LISA to buy property off my partner
I live with my wife who has a mortgage on the property and I am a first time buyer. The house value is roughly £350k so under the £450k limit. I want to open a LISA and buy the property off my wife. Is this allowed? In the sale I plan to use my LISA, the equity in the house and other savings as a deposit. I read somewhere…
-
Stock & shares ISA - multiple funds?
I have a stocks and shares ISA. I pay in monthly via DD and it is invested in a fund. I now have some extra money to invest and am considering putting into a different fund (potentially higher risk/return). What I'm not sure about is whether a Stocks ISA can have more than one fund within it or whether a new fund would…
-
HTB ISA Contributions
Afternoon all, I transferred my Halifax HTB ISA into a LISA earlier in the year and left £1 in there with the intention of capitalising on the higher interest rate of the account (I appreciate it is going to drop to a lower rate in August but it's still a better rate than I'm getting elsewhere). My HTB ISA is showing as…
-
Stocks & Shares ISA - buy shares before transfer complete?
I'm planning on transferring my stocks and shares ISA to another provider. Can I buy shares on the new provider's platform in the ISA before the transfer is complete? I have already paid into the ISA on the old provider in this tax year.
-
AJ Bell / HL ISAs - no payment mechanism but to force sell
I have a trading account, without ISA wrapper with Vanguard Investor, and they allow paying account fees using direct debit, rather than selling your investments. I am thinking into opening a LISA with either AJ Bell or HL. But I am now very concerned. The only way to pay for fees is from within the LISA account itself.…
-
Paid into 2 ISA’s
Hi guys, So I have a help to buy ISA (since Dec 17) and a normal savings ISA (since about 2013/4) I’ve been putting in the max monthly payments into my H2B ISA, however I mistakenly transferred some money into my normal savings ISA which I haven’t used for a couple years last month to make sure I didn’t spend it.…
-
LISA rules on house completion
Hi, I have a LISA I am using to purchase my house. I paid in my 2018/19 allowance about 6 weeks ago but have been told by Skipton the bonus will not be paid into my account until the end of June at the earliest. However I am due to complete on 29 June, and Skipton have said if the bonus is not in the account at that date…
-
Transferring from a Cash LISA to a Stocks and Shares LISA
Hello I was wondering if anyone had been able to transfer fro the Skipton Cash Lisa to a Stocks and Shares LISA successfully or have you had to open a separate one if you wanted a Stocks and Shares Lisa as well.?
-
Lifetime ISA - confused if I take out 'growth' without touching capital?
Hi! Lifetime Stock and Shares ISA in a homeowner i.e. can only take out at 60. Suppose I don't want to touch my capital nor the Government bonus. I just want to take out the growth in shares or any dividend income. E.g. I've put in £10,000 over the years. Govt has put in £2,500 over the years. My shares have since produced…
-
New to H2B ISA - help!
Hi all, I will probably sound like one of many here but I'm new to the forums and was hoping for some insight into help to buy ISAs. Myself and my partner started saving this year for our deposit. We save £300 each a month, and are wanting to open a help to buy ISA with the bonus incentive - pay the £200 and put the extra…
-
Help to buy ISA questions
Firstly I've heard H2B ISAs can no longer be opened after next year as they're being replaced by Lisa. Will existing H2B accounts then or later have to be closed? Next question, I had a Nationwide cash ISA and Nationwide H2B running side by side as they allow splits. I transferred the H2B into the Skipton Lisa at the back…
-
Punjab International statements
I have a 5 year ISA with Punjab National Bank (International) but I don't get any statements from them. I thought with regulations being modernised, banks had to provide regular statements, or is that just for investment products with opaque charges? It would be reassuring after the alleged $2 billion fraud its parent…
-
How Many Cash ISAs
Hi, Can anyone please clarify what providers actually mean by "Subscribe to only 1 cash ISA pre tax year". I had a fixed term ISA from last year and I opened another ISA this year to transfer that balance into. However I was not able to put new money into that ISA because there was a cut-off date which I missed The Leeds…
-
Help To Buy ISA query
I am over 40 and am considering buying my first property. I have an ordinary cash ISA already with a reasonable amount in it. The question is, can I open a Help To Buy ISA and receive the govt bonus, even though I already probably have enough for a deposit?
-
ISA rules query
Hello, Looking for some advice as I can’t find the answer on the site. I have opened up a new stocks and shares ISA this year with a different platform provider to the one I’ve used last year. I’m not really liking the app and online layout/site and wishing I’d gone with the same platform I used last year or a cheaper one.…
-
Closing a Help-To-Buy ISA
I have had my help to buy ISA for a couple of years now and I want to take the money out and close the account (without purchasing a property). I do not intend to claim the government bonus. Is it better to transfer the money to my other bank account and keep the ISA open with say a balance of £1 and then when i am ready…
