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Index: HomeTop RatesISA's


Help to Buy Isa

Barclays Bank 2.25% Gross/AER Help to Buy ISA
Visit Barclays Bank ⇒

Features, Benefits and Eligibility

  • A Help to Buy ISA.
  • To open this account, you must;
    • Be aged 16 or over and have a NI number.
    • Be resident in the UK.
    • Be a first time buyer
    • Not previously received a Help to Buy ISA bonus.
    • Open with £1 up to £1,200.
  • Save £1-£200 each calendar month by standing order
  • Instant Access account.
  • The Government Help to Buy ISA bonus is 25% of your final closing balance up to a maximum of £3000.
  • Operate account in branch, telephone, online or mobile banking.

Our Opinion

  • The best Help to Buy Isa interest rate.
  • Good range of methods for managing the account.

5 Year Term

United Trust Bank 1.85% Gross/AER Cash ISA Bond
Visit United Trust Bank ⇒

Features, Benefits and Eligibility

  • A 5 Year Cash ISA Bond account.
  • The interest rate is fixed and paid annually provided that you;
    • Make a deposit of £5,000 to £500,000.
    • Are a UK resident and aged 18 or older.
  • You can open the account by post.
  • Only accept transfers in from existing ISAs.
  • Withdrawals (including transfers to other providers) prior to maturity date are subject to a penalty charge.

Our Opinion

  • The best Fixed Rate interest for a 5 year Term.
  • Does not accept cash deposits.
  • Cannot apply online.
  • Transactions must be done by post.

4 Year Term

United Trust Bank 1.65% Gross/AER Cash ISA Bond
Visit United Trust Bank ⇒

Features, Benefits and Eligibility

  • A 4 Year Cash ISA Bond account.
  • The interest rate is fixed and paid annually provided that you;
    • Make a deposit of £5,000 to £500,000.
    • Are a UK resident and aged 18 or older.
  • You can open the account by post.
  • Only accept transfers in from existing ISAs.
  • Withdrawals (including transfers to other providers) prior to maturity date are subject to a penalty charge.

Our Opinion

  • The best Fixed Rate interest for a 4 year Term.
  • Does not accept cash deposits.
  • Cannot apply online.
  • Transactions must be done by post.

ISA's were once the darling amongst savers, offering the top rates of interest and Tax Free to boot. How things have changed in the last few years. Sure they are still Tax Free over and above your Personal Savings Allowance, but the interest rates are abysmal and can easily be beaten by high interest paying Current Accounts, Regular Saver & Fixed Term Accounts.



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