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Guides to your ISA 2015/16
If you're thinking about opening an ISA but aren't sure where to start, read on for an explanation of the different types of ISAs that are available and how to open your account
What is an ISA?
An ISA stands for individual savings account. All adults in the UK over 18 are entitled to open an ISA account
Are cash ISAs all the same?
In the same way as other savings accounts, there are different types of cash ISA available such as fixed rate
Can I open an ISA for my children?
Children under the age of 18 are entitled to have an ISA account - called a junior ISA and works pretty much in the same way
Cash ISA or Stocks and Shares ISA?
Cash ISAs are similar to a standard savings account, except for the fact you aren't paying any tax on the interest that you earn
How many ISAs can I have?
You can have one cash ISA and one stocks and shares ISA if you have chosen to split your allowance
How much is my ISA allowance in 2014/15?
The personal allowance is calculated each tax year beginning on 6th April. In 2014/15 your total tax-free savings allowance is £11,880
Invest with a stocks and shares ISA
You can choose to invest your money into a single fund or you can ask for a wide range of investments in order to spread the risk
Is my ISA transferable?
Whether you're looking for a short-term saving solution or you have long term plans, an ISA could fulfil your needs
Speak to an adviser
Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.
01244 950 304
How can we help you?
So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.
Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"
"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."
"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."
"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."
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Best personal finance comparison site &
Best online price comparison platform
