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Help to buy isa
Can you use a help to buy ISA for a property that will be purchased without a mortgage?
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Moneybox
Does anyone know if Moneybox is a good company to open an ISA with?
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Anyone transferred a cash isa to Zopa?
A few weeks back someone posted that their transfer to Zopa had failed. Apparently this was due to a fault in Zopa's system whereby it couldn't accept an amount that differed to that declared during the opening process but on closing the transferring account, interest gets added thus resulting in a discrepancy between the…
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ISA Rules
Hi can anyone help with this question? I have a 1 year fixed rate isa maturing next month with the maximum £20,000, if I open a new one for this tax year for another £20,000 can I add my maturing one to it so would have £40,000 the new isa ??? Thanks Kevin
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Inheritance
If I pass away before my Isa ends, can my son claim the money without any problems?
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Zopa monthly ISA interest
I use my flexible Zopa ISA@5.08% as my EA account. It pays monthly interest. I know this does not count as part of my £8500 ISA allowance on this ISA which is what I have left of my £20K 24-25 ISA allowance. My balance did reach £8500 for a short while, before my first monthly interest payment. However, if I now want to…
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Trading212 - "Please note you have been classified as a retail client."? And can't transfer in!
Hi, So I looked at creating a new ISA account to transfer last years ISA over to, based on being the best easy access account on offer. Trading212 at 5.2% I have done the verification, but notice the email says "Please note you have been classified as a retail client." Is that normal? I've yet to Add Funds, as below, as I…
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Child Trust Fund maturity and investment into senior cash ISA
My kid’s Child Trust Fund is due to mature when they reach
18 years this August. I have saved for them through out and have an excess of
£20000. On maturity, I want to save this ( they will operate) to a Cash ISA
with high interest. I got in touch with Kent Reliance which offers a great
interest rate for their variable…
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Confused by best Lifetime ISA and transfers
I've got a Lifetime ISA with Skipton that I've had for 2 years - balance around £10,000. I'm looking to to transfer to get a better rate but I'm quite confused by the transfer offers out there. Moneybox have the best rate at 5%, but only for a year. Tembo offer 4.3% but a cashback bonus of up to £300, which their post says…
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STOCKS AND SHARES ISA
Hi, we have been involved in a contentious probate dispute for nearly three years now, and Hargreaves Lansdowne have asked me as the executor to decide whether I want to cash in the portfolio now ( as it has been 3 years since the since the policy holder passed) or let it run, but no longer benefit from the tax free status…
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Non Payment of ISA funds since the death of a husband
Good evening all, I am seeking advice to this problem - My father in law passed away on the 26 Nov 23 who had an ISA with Virgin Money. To date this still has not been paid to my mother in law despite them having everything they need paperwork wise since Dec 23. Every time she phones them she gets told its in hand but its…
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Transfer money in and out of a S&S ISA to/from Cash ISA
I have a HL Stocks and Shares ISA with an amount held in cash earning no or very little interest. There was some confusion as I was initially told I could open a HL cash ISA and make a transfer from my S&S account in. However, this is now only possible by opening with £1 and as I have already maxed my 2024/25 £20k…
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Help to buy ISA and property over 250k
Hi, i'm a first time buyer and have a help to buy ISA. I have found a property which is 255k (over the ISA bonus as outside of London). It is a new build so the developer has offered a 5% contribution which will reduce my mortgage requirement. Can i claim the bonus from my ISA? or will I lose it?
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How Many ISAs
If I have a Help to Buy ISA with provider A and a Stocks and Shares ISA with B, with total less than £20k,if I want to have a further Cash ISA in this tax year do I have to get it from A or can I go and buy from a third provider C?
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Multiple Cash Isa Accounts
I have £42k in a fixed one year cash ISA that is soon maturing, on the 12th July, from last tax year. I also have £20k that was put into a regular 1 year fixed bond at about the same time. My plan was to open a new cash ISA with the 20k cash and transfer in the 42K from the ISA. I believed that the one year fixed bond…
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Partial ISA transfers
Hi all, I'd like to split my current ISA to 2 new providers as I'm close to 85K, so want to split. How can I find out if a new ISA will accept a partial transfer? There's no info on forums that show best ISAs and limited info on the banks' websites. When I try to phone some, the agents I chat to often have limited…
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ISA timings.
I have a cash isa that I opened in November 23. Can I open another now for 2024 while the 2023 ISA is open? Thank you.
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Universal credit and help to buy isa
Hi there, I wondered if anyone could help. I see Martin’s post on June 2022- advising the government are trying to bring in that you do not have to declare help to buy isa when claiming universal credit- And I wondered if this law came in- would I have to declare my help to buy isa account when claiming for universal…
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Invest into S&S ISA or AVC
Currently working in local government and so far have a local government pension for the last 25 years. Hate the thought of having to work until I'm 68, so looking to do something that may help to retire a few years earlier and have 2 options that I can think of. Pay into an AVC at work, or start up a stocks and shares…
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Any point in staying with Hargreaves Lansdown for my ISA? Trading212 looks cheaper
If you read Stocks & shares ISAs: find the best platform - MSE (moneysavingexpert.com), it has trading212 under "Lower fees, but less established platforms", and HL under "Higher fees, but more established platforms". Does how established a platform is really matter? You investments are ring-fenced anyway. All I want to do…
