Any advice on savings etc please?

ko'd

I was hoping someone would have some suggestions of what you would do in my situation:

I have 14k of savings in a cash ISA (which I pay £100 minimum into each month) and about 2k in a S&S ISA (which I don't pay into any more) and they are both with the Halifax. The cash ISA is currently 1.05% interest but is going down to 0.6% soon.
I don't own a home so was wondering if a Help to Buy ISA would be more beneficial as I will hopefully be buying one day (could be this year, could be a few years down the line) but I don't want all my savings just sitting in my current account as it may be too tempting to spend! So where could I put it all?

I am also going on maternity leave at the end of February so would need access to some of my savings just in case I ever need to dip into them.

Thanks in advance!

Maelwys

High Interest Current Accounts?

You ought to be able to get at least 3% return, and more usually closer to 4-5%.
Look here and here and then check http://www.bankaccountsavings.co.uk/

(If you run low on Direct Debits, I'm pretty sure the Tescos Online Savers Account still let you set up very small value ones...)

Archi_Bald

HTB ISA, with Halifax as they pay the best interest, is an obvious choice for a first time buyer.

You can take all your ISA money and put it into current accounts, and cycle some through the 5% and 6% Regular Savers, too. https://forums.moneysavingexpert.com/discussion/5374614