Easy Access Help to Buy: ISA

If you’re a first time buyer, you can save up to £1,200 in the first calendar month, then up to £200 each calendar month thereafter, towards the deposit on your first home, and the Government will give you a bonus of 25% when you complete on the purchase of your property

Five Time Winner – ISA Provider of the Year Five Time Winner – ISA Provider of the Year
Consumer Moneyfacts Awards 2011-15

Take the first step towards owning your first home with our Help to Buy: ISA. Get a great rate and benefit from a Government bonus when you complete on the purchase of your property.

And when you’re ready to purchase your first home, we’ve a range of mortgages to meet your needs

Easy Access Help to Buy: ISA

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  • Maximise your ISA allowance – you can split your ISA allowance between any of our Cash ISA products, as long as you don’t exceed your annual ISA allowance. For example, you can subscribe to our Help to Buy: ISA and other Cash ISA products with us in the same tax year, so that you can use your full allowance. This will be classed as one Cash ISA for the purposes of HMRC reporting
  • Kickstart your savings – you only need £1 to open the account. In the month in which we receive your opening deposit, you can make a maximum deposit of £1,200 (£1,000 opening deposit and £200 for the first calendar month subscription) in your Help to Buy: ISA. For each calendar month thereafter, a maximum deposit of £200 applies
  • Government bonus – the Government will give you a bonus of 25% when you complete on the purchase of your property, provided your Help to Buy: ISA has a balance of at least £1,600. The bonus on £1,600 would be £400. The maximum bonus you could receive is £3,000 if your Help to Buy: ISA has a balance of at least £12,000 when you close it to purchase your property
  • Reassurance – in addition to the Government bonus, which is paid when you close your Help to Buy: ISA, you will also receive interest on our Easy Access Help to Buy: ISA at the variable rate shown above. This rate is guaranteed to be at least 0.50% above Base Rate** until 31 December 2017
  • Fast and easy set up – open an account, complete identity checks and move your money in minutes
  • Cooling off period - if you change your mind within 14 calendar days of opening your account, we’ll cancel your account and return your money without penalty or notice
  • Easily transfer ISAs from other providers – we’ll process the transfer electronically if we can or we’ll provide an ISA Transfer Form for you to complete and return to us. Transfers in from other providers are subject to the maximum deposits shown above
  • Unlimited withdrawals – access your money whenever you need it, without restriction or loss of interest. You can use your funds as you choose including towards the deposit for your first home. However the bonus you receive when you complete your purchase will be based on the closing balance of your account
  • ISA flexibility doesn’t apply to the Help to Buy: ISA – any amount withdrawn from a Help to Buy: ISA can only be repaid into this account in accordance with the maximum monthly limit of £200. But you can replace money withdrawn from a Help to Buy: ISA by opening a new Cash ISA product with us at the interest rate available at the time or by paying money into another Cash ISA product already held with us that allows additional deposits. You won’t be eligible to claim a bonus on any money that isn’t held in your Help to Buy: ISA
  • Easy to manage - do it online, by phone or by post
  • Savings held with Aldermore are covered by the Financial Services Compensation Scheme (FSCS). The protection limit within the Scheme for each saver is £85,000
  • To qualify for the Government bonus, the property you are buying must have a purchase price of up to £250,000 (or up to £450,000 in London). If you are buying a property that exceeds this value, you won’t be eligible for a bonus. This is also the case if you are buying a shared ownership property and your share of the property doesn’t exceed these limits, but the total value of the property does


There are specific eligibility criteria and rules for the Help to Buy: ISA scheme. Please make sure that you have read these at, along with our Personal Savings Terms and ConditionsHelp to Buy: ISA Terms and Conditions and the Easy Access Help to Buy: ISA Summary Box  before you open your account

  • You’ll need to provide us with details of a UK personal bank or building society account to link to your Aldermore account. You should be named as an account holder on this account and the account should accept Faster Payments, CHAPS and BACS. To help us keep your money safe and protect against fraud, we’ll only accept deposits from this account and we’ll always send money back to this account, for example when making payments of interest or when you make withdrawals. Payments to us from any other account will not be accepted and will be returned, except where these are received by transfer from another ISA provider
  • Your annual ISA allowance for the 2017/2018 tax year is £20,000. You can save the whole allowance in cash, in stocks and shares, in an innovative finance ISA, in a Lifetime ISA or in any combination of these permitted ISA types.
  • As the Help to Buy: ISA is a Cash ISA, you can’t deposit into a Help to Buy: ISA and another Cash ISA with different ISA providers in the same tax year. You can however deposit into a Help to Buy: ISA and another Cash ISA with the same ISA provider if that provider allows you to split your ISA allowance across multiple ISA products.
  • You can make deposits by Faster Payments, BACS, CHAPS, Standing Order or cheque from your nominated UK bank or building society account, or by transfer from other ISA providers
  • For deposits received via Faster Payments, BACS, CHAPS or Standing Order, interest will be earned from the date on which we receive your money and for deposits received by cheque, interest will be earned from the second business day after receipt
  • We only provide cash ISAs. If you are considering encashing a Stocks and Shares ISA, you should consider seeking independent financial advice to ensure this meets your circumstances.
  • If you have already made deposits into a Cash ISA with another provider this tax year, you will need to move the full amount to Aldermore in order to open a Help to Buy: ISA with us. If this amount is more than the maximum first calendar month deposit of £1,200, you can open a Notice Cash ISA or Fixed Rate Cash ISA from our range in addition to the Help to Buy: ISA.
  • When you close your Help to Buy: ISA we will provide you with closing documents. If you are purchasing your first property, you will need to present these to your eligible conveyancer and instruct them to apply for your Government bonus, providing your account has a balance of at least £1,600. Once they receive the Government bonus, it will be added to the money you are putting towards your first home. The bonus must be included with the funds consolidated at the completion of the property transaction. The bonus cannot be used for the deposit due at the exchange of contracts, to pay for solicitor’s, estate agent’s fees or any other indirect costs associated with buying a home
  • The favourable tax treatment depends on your individual circumstances and may be subject to change in the future
  • The interest rate on this account is variable. We’ll write to you  personally if the rate on your account changes

Fees and charges

You won't have to pay any fees or charges, although there may be a small charge for non-standard services - check our tariff of charges for more details.

Managing your account with us is simple and straightforward - and we're always on hand to help you if you've any questions. Here's how it works:

  • Once you’ve opened your account with us, we'll send you a Welcome Letter and your Customer ID, which you should usually receive within five business days. When you log in, we'll give you all the information you need to make the most of your new account
  • You can log into your account to view and print a transaction statement at any time and a Summary of Interest will be available in internet banking shortly after the start of each tax year
  • Need to access your money? Simply log in and follow the simple on-screen instructions; it should take less than a minute. However, please remember that under the Scheme Rules, if you wish to make a partial withdrawal you will not be able to claim a bonus on these funds.
  • Want to check your account details and rates? Just login whenever you like
  • Contact us whenever you need to – via our UK-based call centre on 0345 604 2678, by logging into your account and sending us a secure message or by emailing Click here for our opening hours
  • No need to worry about bonus rates dropping off: there are no hidden bonuses or introductory offers - just consistently competitive rates
  • We'll write to you personally if the rate on your account changes

*AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year.

** Base Rate means the Bank of England Official Bank Rate

The rates we have previously paid on our Easy Access Help to Buy:ISA are shown on our Historic Rates Page.

Don't want a Help to Buy: ISA?

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  • 4.6/5 (3453 reviews)

Protect your hard-earned savings from interest rate fluctuations with our fixed rate savings account. You'll enjoy peace of mind knowing exactly how much interest you'll earn.

Up to 2.00% AER*

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  • 3.9/5 (14 reviews)

With our Notice Cash ISA, you get a great interest rate while you build up your savings. You can still access your money if you need it and can make as many withdrawals as you like. All of the interest is tax free – it doesn’t count towards your Personal Savings Allowance – and our Cash ISAs are flexible too.

Up to 0.80% AER*

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  • 4/5 (12 reviews)

Want a great interest rate with added flexibility? Our Notice Savings Account gives you exactly that.

Up to 0.80% AER*