Stocks & Shares ISA

An ISA is simply a tax-free wrapper for your money. Whatever you put inside it, savings, investments, funds, grows completely free from UK income tax and capital gains tax. You keep every penny of the growth. We connect you with specialist, FCA-regulated investment advisers who can help you choose the right ISA and get started. The introduction costs you nothing; we may be paid by the firm we introduce you to. Investments can fall as well as rise and you may get back less than you put in.

What changed in April 2024, and what stayed the same From April 2024, you can now pay into more than one ISA of the same type in the same tax year, so you can spread your £20,000 allowance across multiple providers if you want to. The overall annual limit of £20,000 per person has not changed. The Lifetime ISA (LISA) bonus and rules remain in place for now; a replacement first-time buyer ISA is planned.

Think of an ISA like a special box. Anything you put inside that box is protected from tax, for life. You can take money out whenever you want (with most ISAs), and you never have to declare it on a tax return. The government gives everyone in the UK an annual ISA allowance, use it or lose it, because it does not roll over to the next year.

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Protect What You Are Building

An ISA takes time to grow. If you cannot work due to illness or injury, you may be forced to draw on it early, or stop contributing. Income protection insurance keeps your financial plan on track if the unexpected happens.

Find out about income protection

The different types of ISA, which one is for you?

Stocks & Shares ISA

Your money is invested in funds, shares, or bonds. It can grow more than a cash ISA over the long term, but the value can go up and down. Best for money you will not need for at least five years.

Cash ISA

Works like a savings account but with no tax on the interest. Safe and stable, but returns are lower. Good for short-term savings or money you might need quickly.

Lifetime ISA (LISA)

For adults aged 18–39. Save up to £4,000 per year and the government adds a 25% bonus, up to £1,000 per year. Can only be used to buy your first home or accessed at 60. Withdrawing for any other reason triggers a penalty.

Innovative Finance ISA

Your money is lent to borrowers through peer-to-peer platforms. Higher potential returns but higher risk, not covered by the FSCS in the same way as cash savings. Specialist advice is strongly recommended.

Junior ISA (JISA)

A tax-free account for children under 18. Parents or guardians open it; the child gets access at 18. Up to £9,000 per year. Find out more about JISAs →

Not sure which?

An adviser can help you decide which ISA types suit you.

How a Stocks & Shares ISA compares with a savings account

No tax on growth, everOutside an ISA, you pay capital gains tax on investment profits above £3,000 per year (2026/27). Inside an ISA, there is no limit and no tax, ever.
No tax on dividendsOutside an ISA, dividends above £500 per year are taxed. Inside an ISA, all dividends are yours to keep or reinvest tax-free.
No tax return neededISA income and gains do not need to be declared on a self-assessment tax return. Less admin, less stress.
Beats inflation over timeCash savings often lose value in real terms once inflation is factored in. Stocks and shares can grow more than cash over the long term but their value can also fall.
Flexible accessMost Stocks & Shares ISAs allow you to withdraw your money whenever you need it, unlike a pension, which is usually locked away until age 55 (rising to 57 from 6 April 2028).
Compound growthReturns on your investments generate their own returns over time. The longer you leave it, the more powerful this effect becomes, which is why starting early matters.
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How to get connected to an ISA adviser

1

Get in touch

Tell us you are interested in opening or reviewing an ISA and a little about your situation, how much you want to invest, your goals, and your timeline.

2

We make the introduction

We introduce you to a specialist investment adviser we know and trust. The introduction is warm. They will know your situation before they call.

3

The adviser finds the right fit

They will assess your goals, attitude to risk, and tax position, then recommend the right type of ISA and the right funds or investments for your circumstances.

4

You decide, in your own time

There is no pressure to proceed. The adviser will explain everything clearly and let you make the right decision for your family.

Check broadband before you make an offer

Broadband speeds can vary street by street, so check the exact address before you commit. Ofcom's free checker shows which broadband speeds and mobile coverage are available at any UK property.

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Want all your bills in one?

We can introduce you to a specialist who can combine your mobile, broadband and utilities into one bill. There's no fee for the introduction.

We don't provide these services ourselves. Switching household bills is not a regulated financial service, so FCA protections and the Financial Ombudsman do not apply. We'll only pass your details to the specialist if you ask us to. See our privacy notice.

ISA questions answered in plain English

What is an ISA and how does it work?
ISA stands for Individual Savings Account. It is a tax-free wrapper, think of it as a special box that protects whatever is inside it from tax. You can put up to £20,000 into ISAs each tax year (April to April). Any growth, interest, or dividends earned inside the ISA are completely free from UK income tax and capital gains tax, and you never need to declare them on a tax return.
Can I have more than one ISA?
Yes, and since April 2024, you can pay into more than one ISA of the same type in the same tax year. So you could split your £20,000 allowance across two different Stocks & Shares ISAs with different providers if you wanted to. The total you pay in across all ISAs cannot exceed £20,000 in a single tax year.
What happens if I do not use my ISA allowance?
You lose it. The £20,000 annual ISA allowance does not carry over to the next tax year, if you do not use it by 5 April, it is gone. This is one of the reasons starting early and contributing regularly makes such a big difference over time.
Can I take money out of my ISA?
With most Stocks & Shares ISAs, yes, you can withdraw your money at any time. Some ISAs are ‘flexible’, meaning you can put the money back in the same tax year without it counting against your annual allowance. The Lifetime ISA is different, withdrawing for anything other than a first home purchase or retirement triggers a 25% government penalty, which effectively takes back the bonus and more.
What is the difference between a Cash ISA and a Stocks & Shares ISA?
A Cash ISA works like a savings account, your money earns interest and is not at risk. A Stocks & Shares ISA invests your money in funds, shares, or bonds, the value can go up and down, but historically it has grown more than cash over the long term. For money you will not need for five years or more, a Stocks & Shares ISA is often the better choice. For short-term savings or an emergency fund, a Cash ISA is safer.
What is a Lifetime ISA and who is it for?
A Lifetime ISA (LISA) is for adults aged 18 to 39. You can save up to £4,000 per year and the government adds a 25% bonus, up to £1,000 per year. The money can only be used to buy your first home (on a property worth up to £450,000) or accessed from age 60. If you withdraw for any other reason, you pay a 25% penalty, which takes back the bonus and a small amount of your own money too. It is a powerful tool for first-time buyers, but the restrictions mean it is not right for everyone.
Is the introduction really free?
Yes, we make the introduction at no cost to you. The investment adviser may charge a fee for their advice; they will make their charging structure clear before providing any advice or recommendation.
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Explore our investment hub

Investments HubBack to the main investments page, explore all your options in one place. Junior ISA (JISA)Tax-free investing for your children, up to £9,000 per year, accessible at 18. SIPPTake control of your pension with a Self-Invested Personal Pension and full tax relief. Investment BondsA flexible investment wrapper, useful for estate planning and longer-term wealth building.

Guides on this

Pension or ISA first?Where the next pound should go.Emergency savingsHow much, and where to keep it.

Talk it through with us

Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.

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