What we can expect in the Autumn 2025 Budget for ISAs?
The ISA Landscape in 2025 is Changing… If you’ve been keeping an eye on the financial news, you’ve probably heard whispers about potential changes to Individual Savings Accounts (ISAs) in the upcoming Autumn 2025 Budget on 28 or 29th October 2025. With Chancellor Rachel Reeves signaling a desire to reform the ISA landscape, it’s worth […]
Cash ISAs: What They Are & How to Use Them
My Journey With Cash ISAs: The Good, The Bad, and The Surprising Last month, I was having coffee with my friend Pete when he proudly told me he’d just opened his first ISA. “That’s fantastic!” I said, genuinely excited for him. “What kind did you go for?” His answer – “Just a regular Cash ISA” […]
What is a Stocks & Shares ISA and What Does it Do?
Everything You Need to Know About Stocks & Shares ISAs Five years ago, I was sitting in my tiny London flat, scrolling through my bank account with a sinking feeling. Despite working full-time and being relatively careful with money, my savings were barely growing. With interest rates on regular savings accounts lower than inflation, I […]
What is a Lifetime ISA (LISA)?
My Journey with Lifetime ISAs: The Ultimate First-Time Buyer’s Friend When I bought my first home last year, I couldn’t have done it without my Lifetime ISA. Seriously – that 25% government bonus was an absolute game-changer for my deposit! Since then, I’ve become something of a Lifetime ISA evangelist, explaining the benefits to basically […]
The Best ISA Interest Calculators in the UK
The best ISA calculators in the uk If you’ve ever tried to figure out exactly how much interest your ISA might earn over a year—or five years, or ten—you’ll know it’s not always as easy as plugging in one quick number. That’s where ISA calculators come in. They’re brilliant little tools that help you […]
The Least Loved ISA: The Innovative Finance ISA
Quick history of the Innovative Finance ISA The IFISA first popped up back in April 2016. Before that, we basically had three main types of ISA: Cash, Stocks & Shares, and (for younger savers) the Junior ISA. The idea behind the IFISA was to create a dedicated tax-free wrapper for peer-to-peer (P2P) lending and […]
Variable vs Fixed Rates: How It Impacts ISA Returns
Variable vs Fixed ISA Rates When choosing an ISA (Individual Savings Account), one of the biggest decisions you’ll make is whether to go with a fixed or variable interest rate. Both have their pros and cons, and the best choice depends on your financial goals, market conditions, and risk appetite. Right now, with the Bank […]
What is an ISA Promotional Rate?
ISA Promotional Rates: Are they Even Any Good, Really? If you’ve been shopping around for an Individual Savings Account (ISA), you’ve probably seen some banks and building societies offering ISA promotional rates. These offers often look incredibly appealing, featuring high-interest rates that seem like a great deal. But what happens after the promotional period ends? […]
How Compounding Affects ISA Returns
Compound interest overview As Einstein once said “Compound interest is the eight wonder of the world” or something like that… and if you’ve ever wondered why some savings accounts grow faster than others, the answer is simple: compound interest. When it comes to Individual Savings Accounts (ISAs), understanding how compounding works can help you make […]
How Banks Make Money from ISAs
How do banks make money from ISAs? Banks and ISAs – it’s one of those age old questions – surely the bank is just giving away free money right? Well, kind of but not really. Banks still make a profit from ISAs and in this article we’ll explore exactly they how they do just that. […]