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Help to Buy: ISA Comparison

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Help to Buy: ISA - FAQ

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.

For more information read the UK Government Help to Buy: ISA guide.

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aldermore

Aldermore Easy Access Help to Buy: ISA

Description:
Let’s get you on the property ladder.
Min. Deposit:
£1
Notice Period:
Instant
AER Interest Rate:

2.00%

(variable rate)

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Features:

  • Government bonus of 25%*
  • You will also receive interest on our Easy Access Help to Buy: ISA
  • Interest will be earned from the date on which we receive your money
  • Fast and easy set up
  • Easily transfer ISAs from other providers

Requirements:

  • Have a UK bank or building society account, on which you’re named as an account holder. This is your nominated account and you’ll need the sort code and account number to hand when you open your new account with us. You can only transfer money into your Aldermore account from this account, or by transfer from another ISA provider.
  • You are resident in the UK and only liable to pay tax in the UK.
  • You are not, and never have been, a Residential Property Owner.

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