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Ramsaye-
its quite likely I am going to be saving for at least a year. I can utilise the £200 a month allowable payment into a help to buy isa but the rest of the available cash I can save is useless adding to that at 2% when I can put it into one or two regular saver accounts with First direct +another for example paying 5% (but maximum monthly deposit of £300). im trying to maximise the interest as quickly as possible. Before I approach any lenders, I will then consolidate the savings all into one place in order to make life easier.
jaitch
oh, thats a good question. I will check and if not revert to paper. also my daily banking is fragmented across multiple banks. I should probably look at consolidating them, unfortunately my employer insists on paying my salary into one of their accounts so I have to transfer everything out of those.