I thought a lot about what I should write to you.
Previous Comments dearieme April 18,5: Or, alternatively, has contributed quite a bit in the past and is becoming aware of the LTA.
HL is the obvious choice for now, that said, nutmeg claims to have no exit charges. Worth at least talking to HL about it, see if their legendary customer service is worth it — and what have you got to lose?
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They fail my Occams Razor test. This does not need to be a direct transfer but using the flexibility they introduced to avoid the delays on ISA to ISA transfers.
If you are a client I would give HL a call — they are excellent at providing written answers to this sort of thing from an in house expert and often have direct access to the expert at HMRC. All — The biggest drawback I can think of with a LISA is that gains are likely to be taxed as an ISA in any foreign jurisdiction, rather than as a pension which is what the product purports to be if not used for a first time house purchase.
That could see someone having to make a penalty withdrawal to settle the tax due with no certainty that an exit penalty would be included in a double taxation treaty calculation. You can mitigate a little with trackers — no need to crystalise while overseas — but there is always a risk the index provider could force a crystalisation event if they delist the security.
The LISA is therefore pretty much tailor made for me. Tax relief reduced or annual contribution allowance reduced? Or make it better in some way. I only opened it because I was trying to build up cash and had maxed out high interest bank accounts and reg savers.
So sometimes products can change significantly for the better. It is even possible that some countries will tax you on unrealised gains, for instance by taxing the change in market value of the investments, each year.
It depends on the law in that country. And again, some countries might tax underlying income and gains on the portfolio, because generally the tax treaty with the UK will allow the country of residence to tax this.
Going to live abroad can be a tax minefield. If you later change your tax residency from UK to NZ e. In more ways than one.
My point here is, there may be options, and getting advice from a decent tax lawyer who deals with international relocations is well worth the fee. The whole thing is complicated enough as it is. I think the draft is 2, words or similar.
Perhaps I could do that in a part 3 roundup!? The money is not ring-fenced like a pension SIPP so if you hit hard times in the future you would be expected to draw on your LISA and other savings before enjoying full benefits from the state or local gov.
A 2 bed new build is very close to the k mark. Surely there will have to be some flexibility down the line? However, you should know that: However, you can only use the bonus from one of them towards buying a home.
Would he be able to benefit from the LISA if he decided to buy a house in the future or would he be treated as a non first time buyer given that he is married to someone who owns a house?
That he is buying one with someone who already owns a house is of no consequence. Full details are explained at http: The fees are cheaper than hl. I know that slitting your wrists looks attractive compared to adding more work to that document, but it would be really useful.
I have an unfinished 3, word draft on my follow-up to the Lifetime ISA post that is turgid and convoluted. Mostly my fault but also the fault of this confused product.
So, you could just deal with the few exceptions by way of footnotes. I think the fact that hardly any providers have started offering them as well as TIs difficulties in producing a concise readable summary! In fact, not doing so has become sort of a roadblock to producing content all year!
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