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Lifetime ISAs
I want to start a Lifetime ISA to eventually use to acquire a first time home. Is there any restriction in using the bonus to get an assisted purchase? Eg Shared Ownership Housing Association schemes London Help to buy Help to Buy equity? Thanks
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Leeds BS reducing interest rates
http://www.leedsbuildingsociety.co.uk/savings/rate-change/
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cynergy
well that was quick! blink and you miss it! was that 1.5% easy access offering from cynergy really only available for one day only to new customers? (yesterday 4/9/19 to be precise) what are they up to? all very odd!
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How many Fundsmith OEICs are there?
One? Yes, that's what I thought too, complemented by a couple of ITs (FEET and Smithson). I just found out there is a second fund, Fundsmith Sustainable Equity Fund, launched in November 2017 with a mandate of not investing in businesses which have substantial interests in any of: • Aerospace and Defence• Brewers,…
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Maximising interest for savings after lifetime isa
REPOSTED HERE AS UNSURE IT WOULD BE SEEN IN OLD THREAD?!? So we're still saving away (savings breakdown at end of this post below). We have some savings in my Nationwide Flex Direct Account but the interest rate is due to reduce from 5% to 1% in November. So I'm wondering what we are best to do next..... Either my partner…
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Help to Buy Isa and CTF
Hello Everyone, Quick question - Am I able to transfer my son's Child Trust Fund over to a Help to Buy Isa when he turns 16 in November? No one seems to be able to advise me! Thank you
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What to do with £20k cash?
Looking for some advice on what to do after receiving a £15k bonus (after tax) My current situation is that I now have £30,000 in cash doing nothing, and approx £18k in a S&S ISA. I have approx 19 years left on my mortgage with about £90k left to repay. Current interest rate is about 2.3%. Ideally I want to keep about…
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Best Option for 18 year old
My daughter on reaching 18 in October will inherit a sum of money some of which should be invested. She will have enough to contribute the maximum for around 2 years. Working on the presumption that she will someday buy a property but also need a pension, what is the best option: LISA H2B Standard ISA
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Child Trust Fund - advice needed
Hi, First time post, seeking advice. My daughter was born in 2008 so we were fortunate to receive a government funded child trust fund for her. We have been diligently saving a set sum of money for her every month and have a fairly substantial sum of money in the account for her (she’s 11). We have recently opened a…
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Using Margin account as short term loan
Realise majority are against borrowing to invest However others use mortgage or Credit Card loans successfully to stooze in high interest bank accounts. Also some take larger risks and invest this money I didn't want to debate whether this is a good idea or not, as most that do this have already made up their mind. If you…
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Exchange rate and commission fees for US dollar accout between Santander and HSBC
I consider opening a US dollar account from either of the two banks below: hsbc.co.uk/international/currency-account/ santanderinternational.co.uk/banking/bank-accounts/gold-bank-accounts I want to find out the exchange rate and commission fees charged by both. Are there links to both exchange rate and commission fees used…
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Have i paid too much tax?
Hello, I am in a confusing situation and this stuff is over my head. I received a letter from the HMRC saying i have underpaid tax for 2018/19. only £200 but thought this was odd because if anything i thought i had overpaid. Now i left an employer at March 2018 but received a payslip in June 2018 because i received a…
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Free Employee Shares
I was issued a number of shares worth around £500 in January this year by my employer which were to be kept for 3 years before being able to sell. However, I was made redundant by the company in August and have received a letter telling me my shares are therefore available to either sell or transfer. They are currently…
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Al Rayan Online Application Form Broken?
Post deleted. The form doesn't work in Internet Explorer. Different browser worked fine.
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Best Savings account for a relatively large amount ?
Hi All, I have some savings that are around the £200K mark and am looking for a savings account to put it in with the best interest rate while still being protected by the FSCS protection. NS&I are giving 1.16% - is there anything better ? Thanks
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Interactive Investor SIPP tax claims
HL say that if you pay into a SIPP by the 5th of the month you will receive the tax credit around the 23rd of the following month. Interactive Investor say (having spoken to them) that they have no monthly cut-off date, yet their website says tax will take between 6 and 11 weeks to be credited, which looks like there is a…
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Swiss to uk savings
My husband was born in Switzerland but now lives in the UK for over 20 years. He would like to transfer his Swiss savings to a UK account . Does anybody know what the tax around this would be?
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New Ratesetter classes?
I've just had a quick look at the email from Ratesetter on their three new classes. I have a small amount held with them, but I'm not an expert on this type of investment, can any forum member please give their opinions on the new classes?
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Moneybox launches 95 day notice account @ 1.65%
Interesting product and Moneybox's first traditional savings account, that allows people of even the smallest amounts of cash to bag a (variable) interest rate that is currently 1.65%. Obviously quite how long that will last time will tell. See here >…
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Vanguard: How much is in bonds?
Hi, I have just opened a stock/shares ISA after getting sick of low returns on my cash ISA. I have used Vanguard as i believe the fees are low and the platform seems user-friendly and am hoping someone can help me understand exactly what i'm investing in. After investing my first 5k and trying to spread it between a number…
