Help to Buy ISA

You can no longer open a Help to Buy ISA. If you already have a Help to Buy ISA, you can save up to £200 a month.

How much must I have in the account when I want to claim my bonus?

To benefit from the bonus you must have saved at least £1,600 before you can claim the minimum Government bonus of £400.

What is the maximum I can save in the account?

The most you can save is £12,000.00 and the maximum Government bonus you will receive is £3,000.

Can I buy any property and benefit from the bonus?

To qualify for the government bonus, the property you are buying must:

Be in the UK
Have a price of £250,000 or less (with a higher price limit of £450,000 in London)
Be the only home you will own
Be where you intend to live
Be purchased with a mortgage

What can I use my bonus money on?

The money saved in your ISA can be used for your deposit however, the bonus (“free money from the Government”) cannot be used for the deposit due at the exchange of contracts, to pay for conveyancer’s, estate agent’s fees or any other indirect costs associated with buying a home.

When do I get the bonus money?

Once you are confident that your house purchase will be taking place (exchanging contracts and fixing in place a moving in date) you should then close down your ISA account. Your Bank or Building Society will then provide you with a Closing Statement which you must supply to your conveyancer. Your conveyancer will then apply for your Bonus funds via the Government Portal before the day your purchase completes.

Client feedback

Absolutely fantastic, kept us informed every step of the way when purchasing our home

Marie

We are so grateful to Sidraa for all her support during our recent property purchase. She kept us informed and up to date every step of the way, always responding promptly and sharing information clearly and in a timely manner.Sidraa worked incredibly hard behind the scenes, handling so much of the legal side with care and efficiency — often without us even realising just how much she was doing. Her dedication and thoroughness made the whole process feel smooth and stress-free, which we deeply appreciate.Thanks to her professionalism and attention to detail, what is usually a complex and sometimes overwhelming process felt straightforward and well-managed. We couldn’t have asked for a better solicitor and wouldn’t hesitate to recommend Sidraa to anyone buying a property.

Sahid

I would highly recommend Winston Solicitors to anyone in need of reliable legal support. Sidraa was outstanding throughout our entire process—reliable, diligent, informative, and genuinely kind. She kept us consistently updated, always took the time to explain things clearly, and was readily available to speak with us directly whenever we had questions. Her professionalism and personal touch made a potentially stressful process feel smooth and manageable.

Jacob C

Great service by Winston Solicitors - was communicated at every step - would recommend both Tom and Sidraa for their professionalism

Anonymous

Excellent

Anna L

A very good conveyancing service. Clear and direct communication throughout the process. I would recommend Winston's solicitors if you intend to buy or sell a property.

Mr G

Very best service as First time buyer they explained and Sort out everything clearly for me.

Nosheen

Samantha was great. Very efficient. Always able to help. Very straightforward transaction. I would recommend.

Mr &amp; M