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
| Ford Money Fixed Saver 1 Year |  |
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| AER Interest Rate: 2.00% (fixed) |
Minimum Deposit: £500 |
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| Minimum deposit £500, maximum balance £2,000,000. 14 day cooling off period: after this, your money is locked away for the term |
Apply Online | |
| ISA Account | AER Interest Rate | Min. Opening Deposit | Notice Period | Features | ||
 | Barclays Bank Help to Buy ISA Help with saving towards your first home. | 2.58% (variable rate) | £1 | Instant |
| See Deal |
 | HSBC Help to Buy ISA Bring your first home a step closer with a 25% savings bonus. | 2.25% (variable rate) | £1 | Instant |
| See Deal |
 | 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. | 1.50% (variable rate) | £1 | Instant |
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 | Nationwide Help to Buy: ISA For first-time buyers - boost your savings towards your first home. | 2.50% (variable rate) | £1 | Instant |
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 | Aldermore Easy Access Help to Buy: ISA Let’s get you on the property ladder. | 2.00% (variable rate) | £1 | Instant |
| See Deal |
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.
