Rachel Efetha talking about an ISABy Rachel Efetha Chartered Financial Planner

It was announced in the 2025 Budget that changes to the ISA rules will be introduced from 6 April 2027, including a new limit on the amount that can be held in a Cash ISA.

So, what’s changing?

For those under age 65, the amount that can be paid into a Cash ISA will be limited to £12,000. The overall ISA allowance will remain at £20,000, meaning the remaining £8,000 can be invested in another type of ISA, such as a Stocks & Shares ISA or Innovative Finance ISA.
Those aged 65 or over will continue to have the full £20,000 ISA allowance available for cash savings.
There are also a number of anti-circumvention measures being introduced to prevent the new Cash ISA limit from simply being avoided by using other types of ISA. These include changes relating to cash and money market investments held within Stocks & Shares ISAs.

Anything else I need to be aware of?

There are also proposed changes to Lifetime ISAs from April 2028. The Lifetime ISA is expected to be replaced by a new First-Time Buyer ISA. These changes are currently subject to consultation, so we will provide further information once the final rules are confirmed.

How Anstee & Co. can help you with your ISAs

We are Independent Financial Advisers (IFA’s) registered with the FCA. This means, above all, that the advice we offer is unbiased. All our financial advisers have the relevant professional qualifications needed to help you. If you would like a review of your investment why not arrange a meeting today. Also, the first “getting to know you” meeting is at our cost and is without obligation.

call back logo for help with an ISAOur Head Office is located at-

  • Kettering, Northamptonshire

Additionally our advisers live and make use of meeting rooms in-

  • Bedford, Bedfordshire
  • Market Harborough, Leicestershire
  • Northampton, Wellingborough and Thrapston all in Northamptonshire.

Also, we make full use of video conferencing facilities such as-

  • Microsoft Teams
  • Facetime

We can also arrange a conference call. The choice is yours. There is no need to visit an office as all work can be handled remotely.

If you have any thoughts or views on this article, “ISA changes are coming”, then we would love to hear from you.

Financial Conduct Authority

Finally, the information contained in this article is for information purposes only and does not constitute financial advice. Anstee & Co. is authorised and regulated by the Financial Conduct Authority (FCA).