Help to Buy ISAs
You can no longer open a new Help to Buy ISA, but if you already have one, you can still save and use it toward your first home until 2030.
If you want to learn more about similar government schemes, one of our mortgage advisors can help you understand the options available to you.
About Help to Buy ISAs
The Help to Buy ISA was introduced to help first-time buyers save for a deposit, with the government adding a 25% bonus on savings used to buy a home. The scheme is now closed to new applicants, but existing account holders can continue saving until November 2029 and claim their bonus until December 2030.
If you missed the application deadline, there are still other government-backed options available. The Lifetime ISA (LISA) works in a similar way, offering a 25% government bonus and allowing you to use it for your first home or retirement.
Our mortgage advisors can help you use your Help to Buy ISA to purchase your first home. They can also help you explore other government schemes that you may be interested in and help you get approved for a mortgage.
“If you have a Help to Buy ISA, you can still use it as part or all of your mortgage deposit. Our advisors can help you explore the options available to you”
Check your affordability
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Read our guides
Explore our guides to learn about your options as a first-time buyer. Read our FAQs below to understand more about Help to Buy ISAs.
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Speak to an expert
Speak to an advisor who can explain how to use your Help to Buy ISA toward your first home. If you don’t have a Help to Buy ISA, they can discuss the other options available to you.
We have advisors who understand how Help to Buy ISAs and similar savings schemes work. Enquire today.
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Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
No, the Help to Buy ISA scheme is closed. However, if you opened an ISA before the deadline, you can still claim the government bonus until 2030.
The Help to Buy ISA is closed to new applicants. If you already have one, you can keep saving into it until November 2029. The government bonus must be claimed by December 2030 when you buy your first home.
Yes, you can use your Help to Buy ISA as part of a joint mortgage application. If both of you are first-time buyers and each has a Help to Buy ISA, you can both claim the 25% bonus.
If only you have one, you can still use your bonus, and it will apply to your share of the purchase. You can still get your bonus even if the other person you are buying with has previously owned a property.
Yes, but the government bonus is paid at completion, not exchange. This means it cannot usually be used for your exchange deposit, but it will go toward the total purchase price when your solicitor claims it.
Yes. You can pay into multiple ISAs within the same tax year as long as you do not exceed the £20,000 allowance. Always check with your provider(s) before making payments.
Yes, you can transfer your Help to Buy ISA into a Cash ISA if you wish to close it or move your savings, but you will lose the 25% government bonus. If you transfer only part of your balance, the remaining savings can still qualify for the bonus later.
Yes, you can transfer your Help to Buy ISA savings into a Lifetime ISA if your provider allows it. However, there are a number of things to consider before doing so.
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