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HELP TO BUY ISA & LISA
Hi My son is looking to buy a house next year and has a help to buy isa & a LISA, he knows he can only use 1 of the bonus's but wants to know should he be moving the money from his H2B (he's at the max) into his LISA, leave it there just getting interest, or is there somewhere else he should move it to to get more interest?
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ISA changes 2027
I'm reading the latest from HMRC. Tax-free savings newsletter 19 — November 2025Published 27 November 2025 The following rules will be introduced to avoid circumvention of the lower limit for cash ISAs: * no transfers from stocks and shares and Innovative Finance ISAs to cash ISAs * tests to determine whether an investment…
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Trading212 customer service
I opened a Trading212 ISA account and on July 3rd , in error, requested Barclays bank bereavement team to send funds from my recently deceased fathers account to Trading212. The following day I received an email from the generic info@trading212.com account explaining that they didn't accept funds from 3rd party accounts…
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Invest Engine S&S ISA Precious metal ETFs paused
Invest Engine has paused any new buying of precious metal ETFs, this is due to a FCA permissions review. It seems you can hold or sell precious metal ETFs but cannot buy now. I stumbled across this accidentally and had it confirmed via email from Invest Engine. I can't remember being informed by them which would have been…
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Autumn Budget: Cash ISA limit cut to £12,000 a year
How much you can save into your cash ISA each year will be cut from £20,000 to £12,000 from April 2027, the Chancellor Rachel Reeves has confirmed – though only if you're under 65, a caveat MoneySavingExpert.com Martin Lewis had called for. The change was announced on Wednesday 26 November as part of the Government's…
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Pension to ISA Benefits?
Hi, Taking into account the freeze on the personal allowance for the forseeable, do the forum members think that taking my 25% tax free lump sum out of my pensions and using it to top up my ISA would be a good move ? . My thinking is, why pay tax on any income above my state pension which I would if I drawdown my pensions,…
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New ISA Limits advice
With ISAs switching back to a mixed cash/stock setup, here’s something I really wish I’d understood when I was younger: If you can, always max out your ISA allowance. Even if you don’t need it right now. Even if you’re not paying tax yet. Rules change, economies change, and one day you may find yourself paying far more tax…
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ISA shares dripping
If you hold shares in an old ISA that pays dividends the income is not taxable. Some companies will allow you to reinvest the dividend (DRIP) into buying more shares rather than take the dividend as cash. If you decided to take this option do HMRC regard this as investing in a new ISA?
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ISAs with monthly interest (and possibly some access as well)
Not sure if this is even a possibility or whether such an ISA exists but has anyone got any suggestions as to cash ISAs which add the interest on monthly. This is for new funds (but possibly I can also transfer an ISA from a previous year across). Ideally I would like easy access and fixed rate but I know this wont be…
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TR^DING 212 ISA - Password in 3rd party data breach
When logging in today was advised to change my password as it had been involved in a 3rd party data breach. As far as I can remember this password was unique to this site. I wonder if anyone else has seen this message when logging in to Tr^ding 212. I never save my password and always enter it manually. Also I now see my…
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Chip transfer out with zero contribution in current tax year
I have recently been trying to transfer out my Cash ISA from Chip to a fixed term account with Saffron. Being fully aware that I have to do a full transfer from Chip, and having only contributed in previous tax years (nothing in 2025/26), I only ticked the box on the ISA transfer form to do a full transfer of my previous…
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Cash ISA Inflated interest rate at point after adding funds- Trading 212
Hi all, wanted to gauge opinion on Trading 212 and its highlighted interest rate for Cash ISA via their app. I opened a cash ISA account 10 months ago but at that point didnt add any funds. I got round to adding funds this week. During the process the app indicated after the stage of depositing of funds the interest rate…
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MSE News: Martin Lewis asks Chancellor to raise the Lifetime ISA limit and answers viewer's question
MoneySavingExpert.com founder Martin Lewis has once more pressed the Chancellor Rachel Reeves to increase the Lifetime ISA (LISA) limit from its current £450,000 cap. In the latest episode of ITV's The Martin Lewis Money Show Live, Martin also answers a viewer's question on whether to continue to contribute to their LISA…
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HMRC increasing tax on salary due to savings
I have recently changed jobs and had a pay increase which puts me in the 40% tax bracket and I hadn't fully understood all the implications this will have. HMRC took an additional £300 in income tax in my November pay and when I called them to find out more this is when it became apparent that it's due to interest on…
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Help to Buy ISA - help
I opened a Help to Buy ISA just before they were stopping them a few years ago. I put in £1 to open it and have never done anything with it. I’m looking to purchase my first home next year. Am I too late to start putting money in? I believe I can’t put in a lump sump? e.g. put in 4k lump sum to get 5k back) or can I? Any…
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Help with cash heads battered
Hi I have 20k in a chase standard savings account I can save about 2-5k a year my question is do I open a ISA n put it in there or what should I do with it my heads battered with all this tax talk that I don't really understand stand pls help
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The New ISA Rules from 2026
Hello all! I have a question about the new ISA rules coming into effect 2026/27. I understand we will be limited to saving just £12,000 per year. What happens if you already have £40,000 in your ISA (from years of saving) and need to keep transferring it to a new ISA at the end of every fixed ISA period? Will we be allowed…
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LISA 25% penalty charge
My Granddaughter has a stocks and shares LISA, which (at present) is doing very well. If she cashes it out, rather than using it towards buying a house, does the 25% penalty apply to the total value of the fund, or just the amount that she paid into the fund? If the penalty is on the total value of the fund, it seems…
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Junior stocks and shares ISAs
I’m trying to decided between Fidelity or HL for JISAs. Can you tell me why you chose either and/or if there are any others I should consider? Thanks.
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Flexible S&S ISA
HL’s ISA doesn’t seem to be flexible. Is there such a product? As I am retired, a flexible option might be useful Thanks.
