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Re-opening help to buy ISA
My property fell through 6 months ago and I am trying to get a purchase failure notification to submit to the bank so I can reopen my help to buy ISA. How would my solicitors go about obtaining this purchase failure notification? They’ve never done it before and the bank say it’s something the solicitors needs to obtain.…
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Have I lost my bonus?
Hi, I fear I have lost a chunk of my house deposit by making a mistake with ISA’s. I have a dormant help to buy ISA with no money in it, opened years ago. This march I opened a lifetime ISA and have been paying in and now have a few thousand in it. I’m now ready to buy a house, offer accepted - but I fear there is now no…
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Cash lisa
Anyone have one? I've held one with Newcastle building society since 2019 paying me 3% interest. I had it because i thought it could help me buy a house but i've since read that it can only be used on new builds etc not a run down house for 50k. I'm thinking of taking it out and putting into a saving account that would pay…
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Help to Buy ISA
My Son is buying his first property and was told by his conveyancer to close the HTB ISA so that the funds and bonus will be available for the purchase of his property. He has now been told by the Halifax that because he has done this he has lost the bonus. He closed the account online and should have gone into a branch.…
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Dilemma: New ISA v top up existing
I have a fixed rate 1 year ISA for tax year 23/24, from Barclays with 20K that matures in September this year. I want to add another 20K for tax year 24/25 and I do not know what happens if I just top up existing. I feel like I want to take our a new one to ensure I get another fixed rate. What do others do? Any advice…
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MoneyBox ISA Rate - does it change once new financial year starts?
Hi I have a money box account that I opened in jan 2024. it was opened with the interest set at 5.1. now that the new financial year has started. The £20k i have in there will this be at the same rate or does it drop to a different rate, I am trying to navigate the money box app, but cannot seem to find this information.…
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S&S ISA Funds Suggestion
Hi Everyone, I have opened a S&S ISA with HL, funded with £20K Need suggestion for selecting funds (Investment period is 5Years +) I have shortlisted few below -- Is it a good option to just go for HL MULTI-INDEX ADVENTUROUS CLASS A - ACCUMULATION (GBP) (OCF is 0.30%) OR It will be better to select few funds form the the…
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Combining Junior ISA accounts question?
Hi All So we adopted our son back in 2020, its come to light that he had 2 Junior ISA accounts. One is with 'The Children's ISA' which looks like a stocks one. He also has a Cash ISA which is foster carers setup for him with Lloyds. Can both of these be moved into a New Cash ISA with someone like Tesco bank who pay 4%…
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Flexible cash ISA
At the moment I am using my Zopa Cash Flexible ISA @5.08% as my easy access account instead of Santander Easy Access Saver now @4.2%. I used £11,500 of my £20,00 ISA allowance on a Virgin 5.25% 1 Year Fixed Cash ISA so I have £8500 annual ISA allowance left. Is it correct that I can keep adding and withdrawing to my Zopa…
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Keeping LISA, SIPP and ISA with the same broker
Does anybody keep all tax sheltered accounts with the same broker to minimise fees? If the broker has a maximum yearly fee, and it is across all accounts, it could make sense for investors who's total holdings are large enough, but separate accounts are not. However, I know the main 3 mentioned here (DODL, AJbell and HL)…
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Advice on opening multiple cash ISAs
Hi All, I recently opened a Virgin fixed 1 year cash isa and had the funds in my ISA from the previous year transferred into it. I hadn’t realised that with the Virgin fixed cash isa, it was only possible to deposit funds within 30 days of opening the account. This is not ideal for me as I will not be able to save to the…
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Saga/Marcus Cash Isa
Just had email from Saga saying instant access cash ISA rate is changing on 15 June. Down from 4.75% to 4.55% (including bonus). Assume Marcus will be making the same change.
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Skipton Building Society not paying interest on ISA
Hi All, Felt I should start a thread highlighting this issue I am currently having with a cash ISA I hold with Skipton Building Society. I have held an ISA with Skipton for several years now and never previously had a problem. However, my account was due interest on 2nd October, which I am yet to receive (I am typing this…
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What "Tax Year" should I use to transfer a dividend?
So I have 2 Stocks and shares ISAs, * A - I opened a previous year and contributed nothing to in this tax year, holds things that cannot be held in B. * B - has better rates than A but fewer choices. If I want to transfer a dividend that got paid into A this tax year into B. is it a * Previous year because the dividend is…
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Cash ISA - closed account, can I open another?
I had a cash ISA with The Principality BC. I wanted to transfer it to Chip, but Chip doesn't allow transfers in. Foolishly I closed the Principality account and the fund were transferred to my current account. I started opening the Chip Cash ISA but there was a declaration I needed to agree to which said I hadn't opened a…
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Using our cash ISAs for Income and growth.
Quick background: my wife and I have accumulated over many years a reasonable size Stock & Shares ISA portfolio. We were taking circa 2.5% out a year as monthly income but were very unhappy with the growth aspect of the portfolio. So much so that we have liquidated all the funds etc into cash and moved it across to II…
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Flexible ISA Rule changes
Hi there, After the turn of the tax year I subscribed to a flexible cash ISA for a brief period whilst I worked out what to do investment wise. I then withdrew the funds and invested them in another S&S ISA. I was of the understanding that current year subscriptions to a flexible ISA could be withdrawn and replaced in…
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Moneybox vs chip cash isa
Hi, any recommendations to which of the ones above you would pick? Chip offering higher rate but I believe they charge for saving monthly. I have an initial deposit and want to save £250 pm. Money box doesn’t seem to charge for saving monthly. Any advice would be appreciated
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ISA Coventry Maturity
Hi my ISA matures 31st May, offered me 4.5%, but Shawbrook 4.7%. So opened one on 20th May to xfer in. However the acct is sitting empty till the xfer in,am I better sticking in Coventry.? Thanks
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Overpaid my ISA in 23/24 by accident...
Hi - hoping someone can help with this! In 2023/24 I have accidentally overpaid my £20k ISA allowance by £100. I had £1000 in a Nutmeg S&S ISA for the 22/23 tax year, this was to get the £100 bonus they were offering to Chase customers at the time. I didn't realise that in July 2023 this was paid into the Nutmeg ISA, I…
