ISAs, OEICs and Unit Trusts

Individual Savings Accounts (ISAs) are a tax efficient way of saving for the short or long term. The maximum you can invest into an ISA each year is £7,200. You can invest £3,600 into a Cash ISA each tax year and the balance of £3,600, if you wish, into a Stocks and Shares ISA or you can invest £7,200 into a Stocks and Shares ISA each tax year. ISAs are exempt from Capital Gains Tax (CGT).

If you wish to invest in excess of the £7,200 Annual ISA allowance and you wish to invest for the long term then an Open Ended Investment Company (OEIC) and/or a Unit Trust may be a suitable home for your money.

Also, you can now transfer some or all of your previous Cash ISAs into a Stocks & Shares ISA without affecting your annual ISA investment allowance. But you can’t transfer Stocks and Shares ISAs to Cash ISAs.

Furthermore, through the use of Fund Supermarkets we can access over 1000 ISA, OEIC and Unit Trust funds from over 60 of the UK’s leading fund groups.

As an Independent Financial Adviser (IFA), we will use our independence and expertise to recommend the most appropriate Investment(s) for you based on your circumstances, needs, attitude to risk and objectives.

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Compliance/Terms & Conditions About Us Initial Disclosure Document

Mortgages Inc is a trading style of Mortgage Inc Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Company Registered in England No. 5051867. Registered Address: Charterford House, 75 London Road, Headington, Oxford, OX3 9AA

We normally do not charge a fee for mortgage advice, however a fee paying option is available, our normal fee is £99.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.