So I have a full £12000 in my help to buy isa (£15000) due to the benefit I get from the isa. And I have just shy of £10000 in a stocks and shares ISA (Roth IRA for the Yanks) a 10% deposit on a home around me is coming up to around £19k, of which I need £4k. Due to my salary I can only put money away (roughly £250) into either my house savings or my S&S, however I can take 4k out of my S&S and use it on a house, but obvs that ruins my progress. What do you think is the best choice,
go hard and save for a house and stop investing in stocks and shares (might take a lot of time)
Take the money from S&S ISA, but it could hurt my returns in the future
Or put off buying a home for now until my salary goes up and I can afford to save for both?
The help to buy ISA stops in nov 2029 so it’s fairly limited time.
Thanks