Will Help to Buy Isa small print scupper my first home deposit?

Government bonus is not payable until completion, but a big deposit is due earlier at exchange

Housing
(Image credit: Getty)

Help to Buy Isas were launched with much fanfare in December 2015. Designed by the Government to help struggling first-time buyers, the idea is clear from the name: this is the savings account that will help you buy a home.

The problem is eight months later it has become clear these Isas aren’t as helpful as you might think for the people they were specifically designed to help.

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