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Help to buy ISA - skipping a month
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marliepanda
Posts: 7,186 Forumite
I have a help to buy ISA. In my ridiculousness I missed my payment this month (thought I looked a bit flush!) and don't think I'll get it in on time as it always seems to take a while to transfer over.
Is that ok? I know I can't 'catch up' and put more in later, but I'm assuming it's okay to not make a deposit? I'm more used to regular savers with 'rules' about monthly minimums but can't see one on the HTB
Is that ok? I know I can't 'catch up' and put more in later, but I'm assuming it's okay to not make a deposit? I'm more used to regular savers with 'rules' about monthly minimums but can't see one on the HTB
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Who's the HTB ISA with? What do they say?
For future, though, is it worth setting up a standing order to ensure you don't forget again?0 -
Who's the HTB ISA with? What do they say?
For future, though, is it worth setting up a standing order to ensure you don't forget again?
My income was variable and paid at random times so I didn't, I shall do now. It's with Santander and I can't see anything either way on it? I'll have another read. I've transferred it over today but not sure if it'll hit this month or next
(Edit: found it in some downloadable term PDFs, couldn't find it on the site! There's no minimum deposit do might spend it on my car this month!)0 -
marliepanda wrote: »My income was variable and paid at random times so I didn't, I shall do now. It's with Santander and I can't see anything either way on it? I'll have another read. I've transferred it over today but not sure if it'll hit this month or next
Where've you transferred it from? As long as it hits the Santander H2B ISA by around 8:30pm tonight it'll count as this month's deposit. Any later and it'll say 1st August against the deposit.0 -
Umm, how's all of that going to sit with getting and repaying a mortgage?marliepanda wrote: »My income was variable and paid at random times so I didn't
There's no minimum deposit do might spend it on my car this month!)0 -
Umm, how's all of that going to sit with getting and repaying a mortgage?
Not really the question I was asking but I have recently obtained a much higher paying regular job, plus any mortgage we get will be mostly based on my partners much larger salary.
Just using the HTB as a little top up to the deposit for my part
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HTB is not a monthly savings scheme. Savers are capped at a maximum of £200 per month. The idea behind the scheme is to help those that would otherwise struggle to save a deposit.0
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Thrugelmir wrote: »HTB is not a monthly savings scheme. Savers are capped at a maximum of £200 per month. The idea behind the scheme is to help those that would otherwise struggle to save a deposit.
Thank you. I'm so used to monthly regular savers I wasn't aware of the 'lack of' restriction.0
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