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Interest on Cash ISA Deposits
Hi Is it better to top up my ISA as and when I have the funds or wait and make 1 big deposit just before the end of the financial year. In essence I want to know if Cash ISA deposits start earning interest from the date I make the deposit? Any advice welcome - thank you.
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Couple first time buyers - one H2B and one LISA?
Hello I have had a H2B ISA for a few years now, and my girlfriend is looking to get ideally a LISA. We know we can use a LISA each or a H2B ISA each to get the bonus, but does anyone know if we can get bonuses from my H2B ISA and her LISA at the same time? (House under £250k obviously) Thank you!
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ISA / Saving / Help to buy
I’m so confused :eek: My wife and I currently rent and are just starting in the journey to save to buy our first house. I already have an Instant cash ISA with around £10k in. I have just set up a “help to buy ISA” for my wife and will be putting the maximum amount into that (£1200 followed by £200 a month) I have been…
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Bed and ISA - How do I do this?
Hi all, I would like to move some of my shares I have from Barclays Smart Investor into an IWEB ISA due to the low cost fees. Just as an hypothetical case as I don't want everyone knowing of my personal finances! :p Just say, I have around £40k worth of shares, which gives me a profit of around £20k. Initial investment of…
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F&C CIP vs. Junior ISA
All, I'm hoping for a little insight here regarding two child investment plans that I opened for my kids back in 2014.... I opened a couple of CIPs back in July 2014 as I wanted to create a nice little lump sum for when the kids grow up, but not being the smartest when it comes to finance I didn't realise at the time that…
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Life after Help to Buy ISA
Hi all, I was fortunate enough to complete on a house in June of this year for which I used my Help to Buy ISA. Now, as I've already paid into that Help to Buy ISA this tax year, does that technically mean that I can't open and pay into another ISA of any sort?
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Help 2 Buy ISA and LISA
Hello I am hoping someone in the know can give me a little help. I currently have an open H2B ISA wih £2010 in it which was opened in May and then further savings in my husbands basic ISA (over 40 so cant get the LISA) and standard savings accounts with a total of around £8,000 at present. We are hoping to purchase a…
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Fixed Rate ISA top ups
I am really hoping that someone can help with my query as this has been bothering me for years! It was explained very poorly by my saving provider, so I thought I would have more luck here. I have a 5 Year Fixed Rate ISA. I have paid into the ISA only once when I first opened it, but have not touch it since. I am now into…
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Help to Buy to LISA
My son moved a help to buy ISA to a LISA November last year. Today he was told he cannot get the bonus because the LISA is less than a year old. Does the opening date of the help to buy ISA count towards the start date of the LISA? If not he effectively loses both bonuses.
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Closed and Withdrawn Cash ISA to current account
A 1-year fixed rate cash ISA I held with Virgin Money recently matured so I opted to withdraw the funds by transferring the total amount to my nominated account (current account with Halifax), and close the account. I also hold a help-to-buy ISA with Halifax and want to continue saving the £200 per month into this account…
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Cash Isa Confusion
In May 2018 I closed my then cash ISA and moved the balance to another provider. I also then contributed the full £20k to that new provider (which is also easy access -I only have the one ISA). I now wish to move £10k out into another easy access cash ISA that I will open (so I won't be contributing anymore than I am…
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Lifetime ISA withdrawal charges
Hi I’m in the process of buying my first house. I’ve been saving for a number of years and to cut a long story short, I have £12450 in a LISA. My deposit comes to £10,191 so there will be around £2250 left in the account. I have just spoken to Skipton who confirmed I would be charged 25% to withdraw the rest of my money.…
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Confusion over ISA bonus limit
Hi there - this is my first post on the forum. I have some confusion with £250,000 cap/limit that is on the ISA. We are first time buyers who have successfully bought a house valued (sale price) at £250,000. However, we purchased the house for £260,000 after bidding with the sellers. On the government websites, it uses the…
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S&S ISA partial transfer - which bits are from the past year?
This year I have transferred current and prior year ISA into vanguard S&S ISA. I now want to continue contributing into vanguard S&S ISA. But transfer out ETFs for the value of prior year contributions into IG S&S ISA. However, I'm struggling to figure out how much of holdings are from prior year. How does one calculate…
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ISA transfer date
Hello, I have been searching online for days for the answer to this question - I wonder if anyone can help. When an ISA is transferred, how is the ISA transfer date allocated? I know that it needs to be agreed between the new ISA provider and the old ISA provider, I know that it is the date that reporting responsibility…
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Stocks & Shares ISAs Do-it for-me providers
Hello I would like to open a new Stocks & Shares ISAs with a Do-it for-me provider, my motivation is that my Nationwide ISA is 1.10%, could I improve on this? I appreciate Stocks & Shares ISAs can rise and fall, I am open to some risk. I cannot lock my money in long term, maybe the next 1-2 years is ok, but not 5+ years. I…
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Ethical Screening of investments - a free way?
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Nationwide exiting JISA market
I missed the significance of this when the consolidation of Nationwide children accounts was first announced but it's true there is no longer a Junior ISA account available to open on the Nationwide website. While the new Future Saver account is fairly attractive and existing JISA accounts will have to continue (I can't…
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Multiple isa types confusion
I have a cash ISA, a stocks and shares isa and 2 Ifisa’s. Can I split my remaining allowance between the 3 different types of isa or can I only contribute to one?
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Transferring S2B ISA to LISA
Hi everyone Sorry if this has been asked before or it’s a really stupid question. I’ve been saving in a save to buy isa for the last two years. It’s got a few grand in it. I’ve recently gone freelance and am earning a lot more than I was previously and after some research it appears I’d be better of using a LISA. What’s…