Junior ISAs were introduced on 1 November 2011 as a replacement to Child Trust Funds (CTFs). A child can open their own account from age 16, otherwise a person with parental responsibility can do it. They are available to those who are under the age of 18 and do not have a CTF, although you […]

A mortgage taken out by two or more people. This might be used if you buy a house with a partner or friend, and can also be used by parents who want to help their children buy a property.