Easy Access Help to Buy: ISA

Let’s get you on the property ladder. As a first time buyer you can boost your savings with a Government Bonus and earn tax free interest as you save for your deposit.

  • 4.5/5 (10 reviews)

Average reviews for our Easy Access Help to Buy: ISA.

Help to Buy

Show More information

FSCS ProtectedWhen you save with Aldermore you have the added peace of mind that comes from knowing your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Please bear in mind that any deposits you have above the limit are unlikely to be covered.

Easy Access Help to Buy: ISA

Gross Annual
Gross Monthly
Gross Annual Interest
Gross Monthly Interest
Open an Account

Our rate checker tool is being updated

We are in the process of gathering the most up to date interest rates, please bear with us.

We apologise for any inconvenience. Please try again later.

Please wait while we load previous session...




/ /





Account balance after {{compareTerm}} months*

Including your initial balance
your account with
{{productsTier.AnnualEquivalentRateAsPercentageString}} AER^
your account {{ interestCalc(productsTier.AnnualEquivalentRateAsDecimal) | currency: '£' : 0 }}
aldermore account {{ interestCalc(aldermoreProduct.Rates.AnnualEquivalentRateAsDecimal) | currency: '£' : 0 }} {{ aldermoreProduct.Balances.BalanceMaximum | currency: '£' : 0 }}
{{ aldermoreProduct.DisplayTitle }}
{{aldermoreProduct.Rates.AnnualEquivalentRate}} AER^
Choice of fixed term from 60 days up to 5 years
5 YEARS {{aldermoreProduct.RatesCfra.MaximumInterestAnnual}} AER^
60 DAYS {{aldermoreProduct.RatesCfra.MinimumInterestAnnual}} AER^
You could earn {{cfraKeyString}} {{interestEarnings | currency: '£' : 0}} {{interestEarningKeyString}} over {{compareTerm}} months with Aldermore
your account with
{{productsTier.AnnualEquivalentRateAsPercentageString}} AER^
{{ aldermoreProduct.DisplayTitle }}
{{aldermoreProduct.Rates.AnnualEquivalentRate}} AER^
{{ aldermoreProduct.DisplayTitle }}
{{aldermoreProduct.RatesCfra.MaximumInterestAnnual}} AER^
Choice of fixed term from 60 days up to 5 years
{{aldermoreProduct.RatesCfra.MinimumInterestAnnual}} AER^


Gross Annual Interest
Account balance after {{ compareTerm }} months* Including your initial balance
Gross Annual Interest
Account balance after {{compareTerm}} months* Including your initial balance
{{ interestCalc(productsTier.AnnualEquivalentRateAsDecimal) | currency: '£' }}


Gross Annual Interest
{{feature.RatesCfra.MinimumAer}} to {{feature.RatesCfra.MaximumAer}}
{{feature.RatesCfra.MinimumInterestAnnual}} to {{feature.RatesCfra.MaximumInterestAnnual}}
Account balance after 12 months* Including your initial balance
{{feature.Balances.Balance | currency: '£'}}
{{feature.Balances.Balance | currency: '£'}} to {{feature.Balances.BalanceMaximum | currency: '£'}}

  • 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. The maximum you can pay into a Help to Buy: ISA is £1,200 in the first calendar month and £200 per calendar month thereafter
  • 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
  • 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
  • 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 Conditions and our Help 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 the sort code and account number of your nominated account. A nominated account is a UK bank or building society account that you can transfer money from and send money to. You must be named as an account holder on this account. All deposits into your Aldermore account must come from your nominated account and any withdrawals out of your Aldermore account (including interest payments) will be sent to your nominated account. 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 2018/2019 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 or Standing Order from your nominated UK bank or building society account, or by transfer from other ISA providers
  • Interest will be earned from the date on which we receive your money
  • 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.

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

Latest Rating and Reviews

Easy Access Help to Buy: ISA

Suited me

The website was alright to use. Once I had filled that out communication was good and things seemed to run smoothly. When I phoned the operator was very helpful, knowledgable and polite.

15th August 2016
Easy Access Help to Buy: ISA

Good rates but complex password system

I was attracted to this product by the attractive rates offered by Aldermore for a split ISA as I wanted to put just part of my yearly allowance into a Help To Buy ISA and the rest in a cash ISA. The whole process was easy to set up. My only reservation was that the password system took a bit of thinking about; I appreciate it's all good security but to have a memorable name, place and number each of 8-10 isn't as easy as simple as it could be. Therefore logging on required me to look up various bits of information, as opposed to just being able to quickly log on and check my accounts. It also isn't clear whether I need to send in proof of ID or not, none of my email confirmations mention this.

25th April 2016
Easy Access Help to Buy: ISA

Very hassle free

The helpline advisors are superb and help you with any difficult parts of the form filling process.

20th April 2016
Easy Access Help to Buy: ISA

Very good, simple to use online services

I wanted to start saving on the Help to buy ISA and look at several websites. Aldermore was my preference as it was very clear and easy to understand the way it was described on the website. The website is very easy and simple to understand and use. The communication and services are excellent. I will highly recommend Aldermore to anyone who wants to start saving on the Help to buy ISA or any other financial services which they offer

28th February 2016
Easy Access Help to Buy: ISA

Unique product, good rates, friendly service

Went with this product, as needed a Help To Buy ISA with the ability to have another ISA as well, not many providers offer a portfolio ISA package which allows this. Wish it had been a little easier to set up this ISA alongside my Help To Buy one, I had to open two accounts independently and was only aware of the process once I'd returned the application form for the first one. Must be quite a common request to open a second ISA alongside the Help To Buy one. No real complaints though, great friendly service and much better rates than other providers.

28th February 2016

Don't want a Help to Buy: ISA?

Personal Savings

Fixed Rate Accounts

  • 4.6/5 (3805 reviews)

Let’s get a fix on your savings. The money you’ve worked so hard to save should repay you for your efforts. So protect it from interest rate fluctuations with our fixed rate accounts and you’ll always know exactly how much interest you’ll earn.

Up to 2.25% AER*

Personal Savings

Notice Cash ISAs

  • 4/5 (21 reviews)

With our Notice Cash ISA you can protect your savings from the taxman while building up your nest egg. You can add to your savings and make withdrawals whenever you like.  And what’s even better is that all the interest you earn is tax free and it doesn’t count towards your Personal Savings Allowance.

Up to 1.30% AER*

Personal Savings

Notice Accounts

  • 4.2/5 (26 reviews)

Our Notice Account helps you save in the way that suits you.  You can add to your savings whenever you like, and you have the flexibility of being able to access your money if you need it in the future.

Up to 1.30% AER*