Financial goals

Save and invest for your dream home

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Start building towards your home goals

Saving for a house is one of life’s more exciting goals. Whether it's getting on the property ladder, buying your dream house, or renovating your existing home, having a dedicated financial plan and a tax-efficient investing strategy can help you realise your future property aspirations.

First home

Purchasing your first home is a major achievement that deserves celebration because it all starts with having a plan. Through dedicated saving and smart tax-efficient investing, gain more from the money you're putting aside and work towards building up your deposit.

Upsizing

Whether you want to upscale your home because of your growing family or your growing needs, moving to your next home can be just as exciting as buying your first. Researching cute neighbourhood shops and cafés or school catchment areas may be at the top of your list. But other things to potentially consider include additional stamp duty land tax, different mortgage rates, and your deposit strategy.

Home improvements

When you already love the home you're in, renovations can be a great way to add value and meet your changing needs. Whether it’s a complete makeover or expanding the kitchen, your budget will need to consider the cost of labour, materials, contractors, turnaround time, and an “anything can happen” scenario.

Holiday home

We all dream about what our perfect home would be like – a waterfront view with a floor to ceiling windows or a renovated period estate. Those dreams can certainly become a reality with a prudent long-term plan, where you routinely save and invest in the most effective way to maximise returns.

Our investment accounts

Flexible Stocks & Shares ISA

Our flexible stocks & shares ISA is a tax-efficient way to save and invest up to £20,000 per year, with no income tax on dividends and no capital gains tax on profits. Through smart long-term investing, on average, you could potentially earn greater returns on the money you save than if you were to lock it away with a high-street bank. And if you're moving onto your second or dream home, you can utilise the money in your ISA as a cushion until the sale of your old home has been completed.

General Investment Account

Our general investment account can be a great way to Invest as much as you want, any time you like, with zero commission. If you’ve managed to reach your allowance for both your flexible stocks & shares ISA and SIPP, put any remaining money to work to help grow your retirement pot. Be wary that the same tax benefits and advantages do not apply to a general investment account.

SIPP (Personal Pension) Coming soon

Our self-invested personal pension gives you the tax benefits of a normal pension and allows you to save and invest up to £60,000 per year. A SIPP is a great vehicle to prepare for later life and allows you to grow your retirement pot through your investments. This can help support your standard of living and the upkeep of your household during your golden years.

This information should not be used as personal or financial advice, please speak with a financial advisor if you're unsure if these products are right for you.