Many banks and building societies offer Help to Buy ISA. Today, the best rate is Barclays in 2.28% with Buckinghamshire Building Society at second paying 2.25%. Other top banks for Help to Buy ISA include Virgin Money, Nationwide, NatWest, HSBC and Halifax which offer 2% interest rate. Note that you are not required anything to take out a mortgage with a lender of Help to Buy ISA. Therefore, when you obtain a Help to Buy ISA, you can start saving for your dream home slowly. This comes with an added bonus from the government. To help you obtain a higher interest rate, you can transfer your ISA from one provider to another.