We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help to buy ISA
Options
mhuk01
Posts: 121 Forumite
Hello,
I have a question regarding a help to buy ISA: -
I currently own a flat (with mortgage), and will be getting married later this year. My question is will my future wife be able to get a help to buy ISA that we can then use to buy a house in a couple of years time? She is not listed on my mortgage or flat deeds, and has never bought a flat.
Also if she can get a help to buy ISA for a future house purchase, would we be able to get a joint mortgage for that?
Just to potentially complicate things further, she is a British national overseas (from Hong Kong), and will be living/working in the UK on a spouse visa.
Any help with this would be greatly appreciated. Obviously if it is not possible at all for her to get a Help to Buy ISA, we will simply add her to my existing flat deeds.
I have a question regarding a help to buy ISA: -
I currently own a flat (with mortgage), and will be getting married later this year. My question is will my future wife be able to get a help to buy ISA that we can then use to buy a house in a couple of years time? She is not listed on my mortgage or flat deeds, and has never bought a flat.
Also if she can get a help to buy ISA for a future house purchase, would we be able to get a joint mortgage for that?
Just to potentially complicate things further, she is a British national overseas (from Hong Kong), and will be living/working in the UK on a spouse visa.
Any help with this would be greatly appreciated. Obviously if it is not possible at all for her to get a Help to Buy ISA, we will simply add her to my existing flat deeds.
0
Comments
-
Not sure how (if at all) the overseas part changes things, but in standard circumstances your partner would be eligible for a help to buy ISA, which she could use to buy a property jointly with you. Her having a HTB ISA wouldn't prevent the two of you from getting a mortgage together.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
-
Thanks for the response. Ideally we would like to have her on the deeds to the flat I already own so that we are joint owners. Do you think we can do this and yet still have her open a help to buy ISA? Technically she didn't buy a property...0
-
No, she would no longer be a FTB0
-
What this "technically she didn't buy a property" pish? Have you gone to the HTB website and read the FAQ?
https://www.helptobuy.gov.uk/help-to-buy-isa/who-is-eligible/0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards