Help to Buy: ISA. Any good?

[Jockman]

Thinking of encouraging my youngest to open one of these as she is looking at home ownership upon her return from Dubai.

I've read up on the guidelines as December approaches but I'm not sure if I'm missing something here. Is a 25% return too good to be true?

[Jockman]

It's a fair point. Especially if, as many commentators suggest, the savings interest rates will be higher than cash isas as lenders try to cross sell to isa holders.

I suppose a competitive marketplace should sort this out but I hark back to the assurance? isas which were only adopted by a few lenders before their inevitable demise. I'm hoping this won't be the case here.