With not too many days to go before the 2008/09 ISA deadline, there are some newspapers and websites suggesting there might be a last- minute rate war leading to new products being offered close to the deadline. Factoring in the time it will take to submit and process an ISA application, what's the latest date to wait until before committing to one of the Cash ISA products currently available? What are the chances that any bank or mutual might bring out a 4.0%+ rate before the deadline, going by their need to acquire deposits and past years (if the latter is at all applicable)?
TIA.