Kent Reliance Building Society - Fixed Rate Mortgages, Self Build, Shared Ownership Mortgages from UK.

Make the most of HM Revenue and Customs savings allowances with a tax free ISA . Individual Savings Accounts (ISAs) allow you to save without paying tax on the income you earn or any capital growth.

Types of ISA

There are two main types of ISA:

Mini ISA	Maxi ISA
In each tax year you can invest in up to two different mini ISAs as follows: Cash ISA: up to £3,000 Stocks and shares ISA: up to £4,000	In each tax year you can spread your investment in each of the following up to an overall limit for each year of £7,000: Cash: up to £3,000 Stocks and shares: up to £7,000
With mini ISAs you can choose to hold each component with a different ISA manager	With a maxi ISA all your investments in a tax year must be held with the same ISA manager
	Most maxi ISAs are stocks and shares, and if you want to invest more than £4,000 in stocks and shares only a Maxi ISA will let you do so

You cannot subscribe money into both a mini ISA and a maxi ISA , or more than one mini ISA of the same component type, in the same tax year.

Note : Maxi ISAs are not available through Kent Reliance Building Society.

ISAs cannot be held in joint names or on behalf of anyone other than yourself, and are available to UK residents over 18 (over 16 for mini cash ISAs) only.

The favourable tax treatment of ISAs is based on current tax legislation, but this might change in the future.

Kent Reliance offers the following ISAs:

	Direct variable rate mini cash ISA ( this can include transfers in of mini cash ISAs and/or TESSA only ISAs. This account can only be opened and operated through our Head Office).
	Variable rate mini cash ISA - this is a passbook based account and can only be opened and operated through our branch and agency network.

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