Flexible ISA - top it back up?

dannylfc_1

I'm not sure if there is a correct answer to this, but I bought a house this year by withdrawing funds from my ISA, which means I can now put in 95k or lose it before April 6.
Would you,
1) Fill it back up. Cash ISA currently 0.5% but a chance to put back in a large amount for the future when rates are higher
2) Overpay mortgage at 1.68%. The mortgage is big because I have only just bought the house so nice to knock down the notional amount. 
Leaning towards half each at the moment but would be interested in hearing the logic behind what other people would do.
Many thanks in advance.

eskbanker

Not sure I'm following - if you withdrew £95K to buy a house then do you have a different £95K now available to pay back in?

If you do, then safeguarding your accumulated ISA contributions may be worth doing but keeping that sort of sum in cash form doesn't seem optimal (as opposed to investing) - how accessible does it need to be?

Vortigern

Top up as much as you can before the end of the tax year.
Flexibly withdraw again in the new tax year. Do something useful with the cash.
Top up again at the end of next tax year.

Preserves your allowance and keeps your options open.

jimjames

Where is the £95k at the moment? If it's long term money that I don't need access to then I'd look at S&S ISA or pension.