Answers · UK 2025/26
Can I still claim a Help to Buy ISA bonus?
Yes if you already have a Help to Buy ISA opened before 30 November 2019. Contributions accepted until 30 November 2029; the 25% bonus must be claimed by 1 December 2030. Max bonus: £3,000 (25% of £12,000 max savings).
Full answer
Help to Buy ISA (HTB) — closed to new applicants on 30 November 2019. If you opened one before that date you can still: pay in up to £200/month (plus £1,000 initial deposit) until 30 November 2029, and claim the 25% government bonus until 1 December 2030 (when buying your first home). Max savings: £12,000 = max bonus £3,000. Property price cap: £250,000 (£450,000 inside London). The bonus is paid to your conveyancer on completion — you can't access the bonus money before then. You can transfer your HTB to a Lifetime ISA (more generous: £4,000/year + 25% bonus + £450,000 cap UK-wide). Transfers between providers allowed. You cannot claim both an HTB bonus AND a LISA bonus on the same property purchase — most people now transfer the HTB into LISA to get the larger ongoing contribution. If you don't buy a home, you can withdraw the savings tax-free at any time, but you lose the 25% bonus.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.