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We've always tried to get to our maximum yearly allowance as early as we can, and then save towards the next years allowance once we've filled up the current year. The sooner you get the money into the mortgage, the more beneficial it is.

All valid points. On the counter side to that, however, is that the way the UK housing market is at the moment "locking" your money away in a house a low risk, decent yield, investment. Getting the money back out again should you need to isn't going to be a particularly lengthy process, either -...

Mine's with Nationwide. Middle of this year we'll be 3 years into a 5 year fix. We're allowed to overpay by 10% of the original loan amount each year (of the mortgage, not calendar year), and we have the choice of either keeping the end date and reducing the monthly repayments (this is what we...

Unless you're earning huge amounts of interest in a year, ISA's aren't necessarily the way forward anymore. Their advantages have been steadily eroded over the last few years, by giving similar (though restricted) advantages to standard savings accounts (one of the few things I'm glad the Tories...