Question Time: Help to Buy ISA v LISA? Sell shares each year to use Capital Gains allowance? Broken broadband compensation
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 26 January 2026
⏱️ 28 minutes
🧾️ Download transcript
Summary
In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: I want to buy my first home, should I move money from my Help to Buy ISA to a LISA? Is it best to sell shares each year to use my annual capital gains tax allowance? Help! My broadband’s broken, what rights do I have to compensation? My phone contract’s been hiked, can I leave penalty free? Plus, you ask Martin his dream golf four ball.
If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s a still or sparkling person, his favourite suspension bridge, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, podcasts. |
| 0:07.8 | This would be absurd, but sometimes absurd things happen. |
| 0:11.1 | Unfortunately, people have thought it before you, and there's some rules to make sure it isn't quite that simple. |
| 0:15.3 | You briefly talked about capital gains allowance. |
| 0:18.1 | It prompted me to look at how I could be able to diversify my savings. |
| 0:22.5 | I would dream one day of going and having a round to Augusta. Hello and welcome to the cunningly |
| 0:27.5 | named the Martin Lewis podcast. I do wonder what that's going to be about. And this is the |
| 0:32.5 | question time episode where you get to ask me your questions on absolutely anything and everything within |
| 0:38.6 | reason. |
| 0:39.8 | This week, you've asked me, I want to buy my first home. |
| 0:43.3 | Would I be better to move the money I've got from a help to buy ISA into a lifetime |
| 0:47.9 | ISA? |
| 0:48.8 | Is it best to sell shares each year to use up my annual capital gains tax allowance. My broadband's broken. |
| 0:56.0 | It's a nightmare. |
| 0:57.0 | I work from home. |
| 0:58.0 | What rights do I have? |
| 0:59.0 | Can I leave my mobile contract if they've hiked the bills? |
| 1:03.0 | And your final question, what's my dream golf four ball? |
| 1:07.0 | Play the theme tune. |
| 1:08.0 | I got bills. |
| 1:10.0 | I got to pay. So I'm going to work for a world every day. Play the theme tune. |
| 1:44.7 | Hello and welcome to the question time episode of the pod and let's bring on he who must be obeyed. The curator of questions himself, Mr. Matt Burnham. Hello. Podcast producer Matt, for those who don't know. Podcast producer Matt. Or, yeah, curator of questions. Curator of questions. I think you're growing it. You were objected at first. I think you're growing into it. I don't mind it. |
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