Help To Buy ISA – Simple Guide

Help to Buy ISAs are a great way of saving money and getting a rather sizeable bonus on your savings (25%), most places offer them but the information about them isn’t always helpful and makes assumptions.

Here is our experience of Help To Buy ISAs.

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Help To Buy – Wales

As you know we’ve been saving to buy a house, we’d saved 10% which was pretty good going but when speaking to the Mortgage advisor we found out that many banks actually require 15% deposit on a new build house and 25% deposit on a new build flat.

Some banks will offer 90% mortgages but the rates are higher or other offers (such as fixed term periods) are lower.

We opted to use Help To Buy Wales, here is our experience.

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2017 – The Round Up

It’s January 2018 already, somehow that crept up when I wasn’t looking and here we are!  So what did 2017 bring me?  Am I rich? Did I become famous? Did I visit space? Did I discover a new element? Did I create a mechanical suit and fight evil?

Sadly none of these happened, I know that it’s confusing. It is one thing to question the official story, and another thing entirely to make wild accusations, or insinuate that I’m a superhero. The truth is, I am not Ironman.

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Dave The Elf & Porgwin – Final Part….for now

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Porgwin concentrating on not falling

Yep, Dave The Elf has done his Christmas of mischief, he got up to a lot, watched Star Wars : The Last Jedi and even hit back at another Elf who took the use of a teabag too far. (You need to watch out for those Poundland Elves!)

Dave The Elf and Porgwin are going to take it easy until next December, it doesn’t mean they won’t get up to stuff, but they just won’t be as busy.

But keep checking the tags #davetheelf and #porgwin on twitter and instagram to see what they get up to.

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Dave The Elf – Part 2

It’s been a busy week for Dave The Elf, plenty of snow last weekend which kept him occupied and then Star Wars this week, not to mention his usual daily doings!

During Star Wars Dave The Elf saw a Porg (well several actually) and wanted one, so he spent many attempts on a grab machine and ended up with his very own mini penguin which he named Porgwin.

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