Existing customers

Manage your Help to Buy: ISA

Our Help to Buy ISA is no longer available to new customers

How does a Help to Buy: ISA work?

  • Get a bonus of up to £3,000 from the UK government to put towards your first home.
  • Get up to £6,000 if you're buying a house with someone else and you're both first time buyers saving in a Help to Buy: ISA.
  • Available for properties that cost up to £450,000 in London and £250,000 elsewhere in the UK.
  • Earn 1.00% AER / tax-free p.a. (variable) interest on your savings.
  • Save up to £200 per calendar month towards your first home.

Kickstart your savings by saving up to £1,200 in the first calendar month in which you fund your account (if for example you fund your account on the 25th October, you have until the 31st October to save up to £1,200). 

What is a Help to Buy: ISA?

With a Help to Buy: ISA, the UK Government will give you a bonus worth 25% of what you have saved when you are ready to buy your first home.  You need to have saved at least £1,600 to qualify and the maximum savings that can qualify is £12,000.  This money goes towards the completion cost of buying your first home.

Please don't withdraw funds before closing your account and allow up to 5 working days for your account closure and receipt of your Closing Document, which your conveyancer (or solicitor) will need to claim the bonus from the UK Government on your behalf. If you've chosen to receive your document via post, please allow up to 10 working days.

Read the full rules of the Help to Buy: ISA scheme.

Online Banking available to customers aged 11+ with a NatWest account. NatWest App available to customers with online banking a compatible iOS or android device and a UK or international mobile number in specific countries

Tax and Definitions

AER: Stands for the Annual Equivalent Rate. It shows you what the rate would be if interest was paid and compounded each year.

Tax: The interest payable is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

Save towards your first home

You can save up to £200 in your Help to Buy: ISA per calendar month. 

If you set up a regular payment, known as a standing order, you don't need to think about moving money each month because it will happen automatically. You can easily change or cancel the standing order any time you like and you can choose how often you want to save.

If you have our mobile app you can set up a standing order quickly and easily - simply choose the account that you want the regular payment to come from and select the 'Standing order' section.

If you use Online Banking, simply select 'Payments and transfers' from the left-hand menu and go to the 'Standing orders' section.

Got your savings sorted?

Then why not take our free Digital Financial Health Check. From everyday spending to planning for the future, it’s full of hints and tips to help you get your finances on track.

Something else we can help you with?