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Help to Buy – ISA

The Help to Buy ISA closed to new accounts on 30 November 2019. If you have already opened an account, you will be able to continue saving into the account until November 2029.


Buyers saving for their first home can save money for a deposit into a Help to Buy ISA (HTB ISA).

The government will then boost buyer’s savings by 25%. So, for every £200 saved a buyer can receive a government bonus of £50. The maximum government bonus is £3,000.

Open: HTB ISA are available from a range of banks and building societies. Accounts are available to each first time buyer, not each household. This means that two applicants planning to purchase a property together could receive a government bonus of up to £6,000 towards their first home.

Save: Buyers can save up to a maximum of £200 a month into their HTB ISA. To kick-start an account, in the first month, a buyer can deposit a lump sum of up to £1,200. The minimum government bonus is £400, meaning that a buyer needs to have saved at least £1,600 into a HTB ISA before they can claim a bonus. The maximum government bonus is £3,000 – to receive this amount a buyer will have needed to have saved £12,000.

Receive bonus: Your solicitor or conveyancer will apply for the government bonus. Once they receive the government bonus, it will be added to the money you are putting towards your first home.


Your home may be repossessed if you do not keep up repayments on your mortgage

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