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ISA allowance planner: cash limit from April 2027

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See how much of your ISA money can stay in cash now and from 6 April 2027.

Cash ISA limit of £12,000 for under-65s from 6 April 2027 follows the Autumn Budget 2025. Confirm on GOV.UK before you act.

Common questions

What is the new cash ISA limit?

£12,000 a year for people under 65 from 6 April 2027. People aged 65 and over can still put the full £20,000 in cash.

Does the total ISA allowance change?

No. It stays at £20,000.