The Junior ISA

Junior ISAs (JISA) are long-term, tax-efficient savings accounts for children, introduced in November 2011 to supersede the phased-out Child Trust Fund (CTF). There are two types of JISA: A cash Junior ISA –  where you won’t pay tax on interest on the cash you...

Need Help To Buy?

2018 began with a surprising pick-up in house price growth, up 0.6% month-on-month with January seeing a ten-month high increase of 3.2 per cent. Even with the wider economy and Brexit developments, the housing market activity is only expected to slow a modest amount....

How to fund a university education

Before the introduction of student loans you may have left university with a bank overdraft. But the sum owed probably paled into insignificance compared to the five-figure debts faced by the coming generation of graduates. According to the Institute for Fiscal...

Saving at all ages

The news is always full of stats about first-time buyers: in 2016 there were an estimated 335,750 first-time buyers – the highest figure since 359,900 in 2007 the average first-time deposit has more than doubled since 2007 to more than £32,000 • the average...

The Advantage of ISAs

The original use of the term ‘nest-egg’ comes from an artificial egg being put into a nest to induce a hen to lay. These days we often refer to our hard-earned savings as our nest-egg, and the recent rise in the ISA allowance gives additional incentive to...