You can get your Help to Buy ISA out when you close your account and have bought your home. When you have purchased your home, you can get your bonus at once. When it comes to buying a home, take note that there are two types of deposit you will have to put down. You usually need to pay a 10% deposit during the exchange of contracts. This is done in order to secure that the property is yours. Once decided on the house you want, the next thing is to hire a conveyance or a solicitor. They will handle the legal matters in purchasing your home. You can proceed to ask your building society or bank to close your account in Help to Buy ISA. This can only be done when you are nearing the completion of your home purchase. You have to let your building society or bank know that you want to close your account. This way, they will send you a closing letter that you need to take to your conveyance or solicitor. They need this letter to obtain your cash bonus and to apply for it to be transferred at your chosen date. Essentially, you can get your savings out as soon as you complete buying your home.