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My partner has an ISA
Fliss_M
Posts: 705
Forumite
Morning. So I own a house with my ex. My partner has moved in with me so the intention is this year to remove the ex and add him. However, he's saved alot of money into a help to buy ISA. And he is in effect buying into my house. He'll own a portion of it.
I'm waiting on my advisor to come back to me but the expected answer is that no, he can not access the top up portion if he buys into my property. Which he's very disappointed with as he's saved religiously and it's kinda like buying into mine is like loosing the first home dream
(And no we can't move and start afresh. Maybe but we lost our 2yo over a year ago and it's the only home she ever knew. It's still too raw)
I'm waiting on my advisor to come back to me but the expected answer is that no, he can not access the top up portion if he buys into my property. Which he's very disappointed with as he's saved religiously and it's kinda like buying into mine is like loosing the first home dream
(And no we can't move and start afresh. Maybe but we lost our 2yo over a year ago and it's the only home she ever knew. It's still too raw)
The will to save every money saving penny we can
0
Comments
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Provided the transaction is structured as a properly-conveyanced sale and purchase (i.e. he's really buying into your house, not 'in effect' doing so), and it's within the HTB ISA property value threshold, your partner should be able to buy into the house using the HTB ISA with bonus.0
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As eskbanker says, surely this is a sale of the share of the property currently owned by your ex to your current partner, with your ex getting the proceeds of the sale, so should be covered by the scheme.0
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