{"id":4281,"date":"2019-10-29T13:19:19","date_gmt":"2019-10-29T13:19:19","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4281"},"modified":"2022-08-23T09:14:49","modified_gmt":"2022-08-23T09:14:49","slug":"help-to-buy-isa","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/","title":{"rendered":"All about the Help to Buy ISA"},"content":{"rendered":"\n<p>The Help to Buy ISA is a savings account that is part of a\nscheme run by the Government where they will top up your savings by 25% up to a\nmaximum of \u00a33000 to help you raise the deposit required to buy a home. <\/p>\n\n\n\n<p>It was brought into place to help first-time buyers afford to get their foot on the property ladder and is available to first-time buyers ages 16 and over who are buying a property that is less than \u00a3250,000 (\u00a3450,000 in London). <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#What_is_a_Help_to_Buy_ISA\" >What is a Help to Buy ISA?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#How_do_they_work\" >How do they work?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#Am_I_eligible_for_a_Help_to_Buy_ISA\" >Am I eligible for a Help to Buy ISA?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#What_offers_are_there_available_on_the_market_for_a_Help_to_Buy_ISA\" >What offers are there available on the market for a Help to Buy ISA?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#NatWest\" >NatWest<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#Nationwide\" >Nationwide<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#Barclays\" >Barclays<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#When_do_I_have_until_to_apply_for_a_Help_to_Buy_ISA\" >When do I have until to apply for a Help to Buy ISA?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/help-to-buy-isa\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Help_to_Buy_ISA\"><\/span>What is a Help to Buy ISA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Help to Buy ISA is an affordable homeownership scheme where the government will top up your savings by 25% to help you raise money for a deposit to buy your first home. This scheme is only available to first time buyers buying a property that is valued under \u00a3250,000 (\u00a3450,000 in London) as long as you intend to live in it. <\/p>\n\n\n\n<p>You can receive a maximum bonus of \u00a33000 from the government\n\u2013 this isn\u2019t per household either, so if you\u2019re buying with another person then\nit\u2019s worth you both opening a Help to Buy ISA. This means that you can both\nreceive the maximum, giving you a potential \u00a36000 towards your deposit (with\nsavings of \u00a324,000). <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_they_work\"><\/span>How do they work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There\u2019s a huge number of banks and building societies that\nyou can choose between to take out a Help to Buy ISA \u2013 you don\u2019t need to use\nthe same bank to take out your mortgage, you still have the freedom to choose\nyour mortgage provider when the time comes. <\/p>\n\n\n\n<p>You\u2019re able to kick start your savings with a deposit of up\nto \u00a31200 on the first month, after which you have an allowance of \u00a3200 per\nmonth which you can save. You can take out a Help to Buy ISA with a large\nnumber of different banks and building societies. If you are applying with a\npartner, it\u2019s a good idea for both of you to open one as you\u2019ll both be able to\nreceive the government bonus on your individual savings.<\/p>\n\n\n\n<p>Once you\u2019ve opened the account and set up a direct debit for\nyour chosen amount each month, you can just sit back and watch your savings\nstack up. You will receive interest on these savings, depending on which bank\nor building society you decide to open the ISA with. The government bonus will\nnot ever enter this account as you apply for it at the end. <\/p>\n\n\n\n<p>In order to receive a bonus from the government, you will\nneed to have at least \u00a31600 saved \u2013 you\u2019ll receive \u00a3400 on this. Any savings\nbetween \u00a31,600 and \u00a312,000 (after interest) will receive a 25% bonus, and any\nsavings over \u00a312,000 after interest will receive the maximum of \u00a33,000.<\/p>\n\n\n\n<p>Once you\u2019re close to buying your first home, you just need\nto let your solicitor or conveyancer know that they need to apply for your\ngovernment bonus. They will charge you no more than \u00a350 +VAT for this. Once\nthey receive the funds, the money will be added to the money that you will put\ntowards your first home. This becomes part of your mortgage deposit. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Am_I_eligible_for_a_Help_to_Buy_ISA\"><\/span>Am I eligible for a Help to Buy ISA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You will not be able to open a Help to Buy ISA unless you\nand the property you are buying meet the eligibility criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You must be aged 16 and over<\/li><li>Must have a valid National Insurance number<\/li><li>You must be a UK resident<\/li><li>You must be a first-time buyer worldwide \u2013 this means you cannot own a home anywhere in the world<\/li><li>Must not have another active ISA \u2013 this is an ISA that you have paid into in the current tax year (between 6<sup>th<\/sup> April and 5<sup>th<\/sup> March)<\/li><\/ul>\n\n\n\n<p>The property must be:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Based in the United Kingdom.<\/li><li>Priced above \u00a3250,000 (\u00a3450,000 if the property falls within London. You can check the boroughs on <a href=\"https:\/\/www.helptobuy.gov.uk\/documents\/2016\/11\/london_boroughs.pdf\/\">this map<\/a>)<\/li><li>The only home you own.<\/li><li>Purchased with a mortgage \u2013 you cannot use a Help to Buy ISA if you\u2019re buying the house outright. <\/li><li>Where you intend on living \u2013 if your situations change then it\u2019s unlikely that they\u2019ll revoke the bonus, but if you never intend to live in the property then you won\u2019t be eligible. <\/li><\/ul>\n\n\n\n<p>Some great news is that you\u2019re able to use the Help to Buy ISA with Shared Ownership or an equity loan and, as a result, means that getting your foot on the property ladder is more accessible. When using a Help to Buy ISA and shared ownership, the price cap refers to the total price of the property, not the share you are buying. We\u2019ve got a great article on shared ownership here. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_offers_are_there_available_on_the_market_for_a_Help_to_Buy_ISA\"><\/span>What offers are there available on the market for a Help to Buy ISA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can open a Help to Buy ISA with the following banks and\nbuilding societies \u2013 we compare the best options available below. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Aldermore<\/li><li>Bank of Scotland<\/li><li>Barclays<\/li><li>Buckinghamshire Building Society<\/li><li>Chelsea Building Society<\/li><li>Chorley Building Society<\/li><li>Clydesdale Bank<\/li><li>Cumberland Building Society<\/li><li>Darlington Building Society<\/li><li>Halifax<\/li><li>HSBC<\/li><li>Lloyds<\/li><li>Monmouthshire Building Society<\/li><li>Nationwide<\/li><li>NatWest<\/li><li>Penrith Building Society<\/li><li>Progressive Building Society<\/li><li>Newcastle Building Society<\/li><li>Nottingham Building Society<\/li><li>Santander<\/li><li>Tipton &amp; Coseley<\/li><li>Ulster Bank<\/li><li>Vernon Building Society<\/li><li>Virgin Money<\/li><li>West Bromwich Building Society<\/li><li>Yorkshire Bank<\/li><li>Yorkshire Building Society<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NatWest\"><\/span>NatWest<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NatWest currently offers a Help to Buy ISA with an interest rate of 2.5% variable. They also allow you to have a \u2018split ISA\u2019 which means that you can also open and save into a cash ISA alongside this account. Both ISAs must be with NatWest, however. <\/p>\n\n\n\n<p>You still have a maximum ISA allowance of \u00a320,000, so\nbetween the two you must not save any more than this. If you\u2019re a NatWest\ncustomer already and use online banking, then you can sign up for a Help to Buy\nISA on online banking. If not, you can visit one of their branches or go to\ntheir website natwest.com<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nationwide\"><\/span>Nationwide<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Nationwide are offering a Help to Buy ISA with an\ninterest rate of 2.5% variable. They don\u2019t offer a slit ISA, so if you\u2019re\nhoping to put money into a cash ISA as well, then you\u2019ll need to find one that\ndoes. If you\u2019re currently a Nationwide customer, then you can open a Help to\nBuy ISA from online banking. If you\u2019re not a Nationwide customer, then you can\neither go to their website at nationwide.co.uk or visit one of their branches.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Barclays\"><\/span>Barclays<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Barclays offer a Help to Buy ISA with an interest\nrate of 2.58% &#8211; the highest of the three. This rate is variable, so it is\nsubject to change.<\/p>\n\n\n\n<p>If you already bank with Barclays then you can choose to either apply online, over the phone or inside one of their branches. If you\u2019re new to Barclays, then you can apply in one of their branches \u2013 take along a proof of ID and your address. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_do_I_have_until_to_apply_for_a_Help_to_Buy_ISA\"><\/span>When do I have until to apply for a Help to Buy ISA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You will no longer be able to apply for a Help to Buy ISA\nafter November 30<sup>th<\/sup> 2019. If you have one open already, then you\u2019ll\nstill be able to save into it until November 30<sup>th<\/sup> 2029 (for another\n10 years). On November 30<sup>th<\/sup> 2029 accounts will be closed to\nadditional contributions and you will need to claim your bonus and close your\naccount by December 1st 2030. <\/p>\n\n\n\n<p>If you\u2019d like to read about any other affordable homeownership schemes, then we have articles on both the Help to Buy <a href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy-equity-loans\/\">Equity Loan<\/a> and <a href=\"https:\/\/www.check.co.uk\/blog\/all-about-shared-ownership\/\">Shared Ownership<\/a>.\u00a0Make sure you take a look around at the different options available to you and fully research the costs that you will incur. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"The Help to Buy ISA is a savings account that is part of a scheme run by the&hellip;\n","protected":false},"author":22,"featured_media":4283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[480,483,486,272,474,270],"tags":[488,493,492,338,478],"class_list":{"0":"post-4281","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-deposit","8":"category-help-to-buy","9":"category-help-to-buy-isa","10":"category-homeownership","11":"category-homes","12":"category-mortgages","13":"tag-help-to-buy","14":"tag-help-to-buy-isa","15":"tag-help-to-buy-schemes","16":"tag-home","17":"tag-homeownership"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/photo-1561414927-6d86591d0c4f.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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