Help to Buy ISAs Mortgages
Help to Buy and Lifetime ISA bonuses can add up to £1,000 a year to your deposit.
Why help to buy isas?
The Help to Buy ISA and the Lifetime ISA (LISA) are government-backed savings accounts, and both hand first-time buyers a bonus towards their [deposit](/blog/mortgage-deposit-guide). The Help to Buy ISA paid a 25% bonus on savings of up to £12,000. The Lifetime ISA pays the same 25% bonus, this time on up to £4,000 you put away each year.
The Help to Buy ISA closed to new accounts in November 2019, but if you already hold one, you can keep saving and claim your bonus up until November 2029. The Lifetime ISA is still open, and it is now the main government-backed savings route for first-time buyers.
At Clearview Mortgage Solutions, we help [first-time buyers](/mortgage-types/first-time-buyer-mortgages) get the most from their ISA savings and the government top-up. Our advisers know the rules on when and how the bonus lands, so the timing does not catch you out on completion day.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Help to Buy ISAs mortgages
A guide to Help to Buy ISA mortgages
How the Help to Buy ISA works, the bonus rules, and important deadlines you need to know.
ReadLifetime ISA vs Help to Buy ISA
A look at the two government savings schemes and which one tends to work best for your situation.
ReadUsing your ISA bonus when buying
When the bonus is paid, how it fits into the buying process, and common pitfalls to avoid.
Read
Frequently asked.
Your first conversation with an adviser is free, and there is no obligation to go any further. Should you decide to proceed, the fee depends on how involved your case is, and we tell you the figure before you commit to anything. Nothing is charged unless you have agreed to it.
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