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Flexible Isa options

Hi, 
I am in the fortunate position of having a stocks and shares Isa with Hargreaves at c. 90k. I still have 16k eligible to invest into an Isa this tax year. 
I am buying a house so would like to move the Isa to a flexible cash Isa product with instant access. This will help with providing a cash buffer for any major works needed on the house. Eg. If 50k of work suddenly needs doing I would redeem the 50k from the Isa to do the work but still like to have the option of putting that 50k back into the Isa by the end of the tax year (so not lose that tax free pot I've built). Snag is that with 90k saved I am above the 85k fscs compensation amount. I would ideally like to have upto just 80k with one provider. 
So is there a way of transferring my Hargreaves Isa to TWO flexible cash Isa providers this tax year and still top up an additional 16k with one of them later this tax year.
Your help most appreciated. 
Thanks

Comments

  • masonic
    masonic Posts: 27,630 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Yes, you asked an identical question just over a week ago in the ISAs sub-forum and I responded there:
  • Alexland
    Alexland Posts: 10,183 Forumite
    Eighth Anniversary 10,000 Posts Photogenic Name Dropper
    edited 27 December 2020 at 2:08PM
    HS84 said:
    I am in the fortunate position of having a stocks and shares Isa with Hargreaves at c. 90k. I still have 16k eligible to invest into an Isa this tax year. 
    It's not that fortunate as HL are usually an expensive option. Are you sure you want £106k wasting away in Cash ISAs as that seems to be an incredibly big emergency pot for being a homeowner? We have owned 4 properties over the years and never needed anything like that amount for unforseen repairs. A good survey should identify any likely major expenditure and most mortgage lenders require you to take out buildings insurance.
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