Hi

Thank you for your information. After further deliberation I have decided to go with an instant access account. So for any reason if I need to get my hands on the money it's available and I still have the opportunity to add to it as and when I have the funds.

Kaupthing Edge has 6.5% rate - but I haven't heard of them until now. Is there any other provider that would be a safer investment?

The other option is an ISA but I know I am limited to the amount I can invest but without the 20% tax to pay it could be an option.......oh i'm confused now....!

Thanks for your time