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Frequently asked questions

Is your ISA flexible?

Yes, Mustard’s property-backed IFISA is flexible. This means that you can replace, in whole or in part, cash you have withdrawn, without the replacement counting towards your subscription limit for a tax year. According to ISA regulations:

  • withdrawals are deemed to be firstly of subscriptions for the current tax year and secondly of subscriptions for previous tax years: and
  • replacements are deemed to be firstly of subscriptions for previous tax years and secondly of subscriptions for the current tax year.

The rules on flexible ISA are complex and you should take independent advice or consult the HMRC helpline if you are in any doubt as to the extent to which you can withdraw and replace funds across different ISAs.

You may reach HMRC’s helpline on this phone number: 0300 200 3312.

The Helpline is open from 8.00am to 8.00pm Monday to Friday; and 8.00am to 4.00pm on Saturdays and Bank Holidays.

You may also find further ISA guidance on GOV.UK.