Compare Help to Buy ISA Rates

  • First Time Buyers can get a 25% bonus from government scheme
  • Get up to £3,000 extra on savings of up to £12,000
  • Compare the best Help to Buy ISA Rates from top providers
The AA Easy Access ISA Credit Card
AER Interest Rate:
Notice Period:
Minimum opening deposit of £500. Rate includes a fixed bonus of 1.16% tax-free for 12 months from account opening. Interest calculated daily and paid to you in March.

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ISA AccountAER Interest RateMin. Opening DepositNotice PeriodFeatures
Barclays Bank Help to Buy ISA

Help with saving towards your first home.
(variable rate)

  • Save up to £1,200 in the first calendar month

  • Save up to £200 per calendar month afterwards

  • In support of the government's Help to Buy

  • Access online, Barclays Mobile app, branch & phone

HSBC Help to Buy ISA

Bring your first home a step closer with a 25% savings bonus.
(variable rate)

  • Save up to £200 per calendar month

  • Option of an additional £1,000 in the first month you make a subscription

  • Claim your 25% government bonus via a solicitor or conveyancer

  • Access online, branch, phone & post

Lloyds Bank Help to Buy ISA

Save towards your first home tax free. Qualifying first time buyers can get a 25% bonus from the Government's Help to Buy scheme of up to £3,000.
(variable rate)

  • Open an account with between £1 & £1,000

  • Pay in up to £200 in any calendar month

  • Unlimited withdrawals

  • Access online, branch & phone

Nationwide Help to Buy: ISA

For first-time buyers - boost your savings towards your first home.
(variable rate)

  • Open with up to £1200, then save up to £200 a month

  • Transfer an existing Help to Buy: ISA

  • You could qualify for Government bonus up to £3k on qualifying purchases

  • Open and manage online or in branch

NatWest Help to Buy: ISA

A helping hand towards your first home.
(variable rate)

  • Bonus up to £3k from government towards new home

  • Get up to £6k if buying a house with someone else & both first time buyers

  • Available for properties up to £450k in London and £250k elsewhere in UK

  • Save up to £1,200 in first calendar month and up to £200 per calendar month after


Help to Buy ISA

What is a Help to Buy ISA?

This type of ISA is also considered a type of cash ISA but is specifically designed to help first time buyers save for a mortgage deposit and get their foot on the housing ladder.

The UK government operates it as an affordable home ownership scheme and will top up your savings by another 25% (up to a maximum of £3,000) on savings of up to £12,000. If you are buying a property with someone else, they can also open a Help to Buy ISA.

You can use the government ISA calculator to see what bonus you could get.

In order to qualify, there are some eligibility rules including:

  • The purchase price of the property can be up to £250,000 (£450,000 in London)
  • The property must be the only home you own
  • You must live in the property

Your first deposit into your Help to Buy ISA can be up to £1,200. You can then deposit up to £200 a month into the account. Your solicitor will apply the 25% government bonus when you buy the property.

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