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Help to Buy ISA guide
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I purchased a house using the HTB Loan in 2013, but sold it in 2015. I now rent.
Am I right in thinking I can't do an ISA, as I owned one before, but I can still do the equity loan option instead?0 -
Hi all
Can somebody clarify if I will be entitled to the bonus if I, having never owned property, later take a joint mortgage with my wife who does own a property? I am presuming I will be entitled to it based on all the guidance, but I didn't know if our marital status counted against it. I asked at the Barclays desk and they seemed to think I wouldn't get it, so if somebody knows different I would be grateful.0 -
I purchased a house using the HTB Loan in 2013, but sold it in 2015. I now rent.
Am I right in thinking I can't do an ISA, as I owned one before, but I can still do the equity loan option instead?Can somebody clarify if I will be entitled to the bonus if I, having never owned property, later take a joint mortgage with my wife who does own a property? I am presuming I will be entitled to it based on all the guidance, but I didn't know if our marital status counted against it. I asked at the Barclays desk and they seemed to think I wouldn't get it, so if somebody knows different I would be grateful.0 -
I'm talking about a hypothetical new mortgage because we're thinking of moving to a bigger property. Barclays isn't our mortgage broker, I'm just interested in opening the ISA with them because of their interest rate. So I suppose it breaks down like this:
1) I have never owned a property.
2) My wife owns a house, of which I am not on any legal document for (but pay housekeeping).
3) In the future we want to move and will be looking for a joint mortgage.
Will I be entitled to the 25% given that a) I have never owned a property but b) I am now married and c) I will be getting a joint mortgage with somebody who does own a property?0 -
I'm talking about a hypothetical new mortgage because we're thinking of moving to a bigger property. Barclays isn't our mortgage broker, I'm just interested in opening the ISA with them because of their interest rate. So I suppose it breaks down like this:
1) I have never owned a property.
2) My wife owns a house, of which I am not on any legal document for (but pay housekeeping).
3) In the future we want to move and will be looking for a joint mortgage.
Will I be entitled to the 25% given that a) I have never owned a property but b) I am now married and c) I will be getting a joint mortgage with somebody who does own a property?
However, as you are married, I can only restate what I wrote above: "Presumably you have been living in the property with your wife as your primary residence. The property would therefore be considered a marital asset" (i.e. jointly owned, regardless of what's on the title deed). HM Treasury could therefore rightly argue that you currently have a legal interest in property and would not qualify for the scheme. It would be reasonable to suppose that checks would be performed on mortgage, land registry and marriage records if HM Treasury was inclined to try to identify those who had profited from the scheme without being eligible.
Of course, nobody here can say anything categorical and if in doubt you should obtain your own legal advice, taking into account all of your personal circumstances.0 -
Keen to set up a HTB ISA for my 17yo son but not sure if I/he can.
Thanks in advance for advice0 -
Hi all, I have a mortgage but my partner doesn’t - he lives in my house (our house, that sounds terrible!)
I take it he’d still be eligible for the ISA? To use to buy with me? We probably want to buy next year.0 -
Newstartforusnow wrote: »Hi all, I have a mortgage but my partner doesn’t - he lives in my house (our house, that sounds terrible!)
I take it he’d still be eligible for the ISA? To use to buy with me? We probably want to buy next year.0 -
If a teen is turning 16 9 days after the deadline, is there anyway to get them a HTB ISA?0
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