OneFamily Lifetime ISA: Supercharge your first-home deposit
Get up to £1,000 a year towards buying your first home or retirement
*The value of your lifetime ISA is likely to go up and down over time and there is a risk that you could get back less than you pay in.
Over 2 million people have invested with OneFamily including...
Dan, who got an extra £11,000 towards his first home on top of his own savings, simply by choosing a OneFamily Lifetime ISA
Erin, who moved her matured child trust fund into a OneFamily Lifetime ISA, easily adding £2,000 on to her savings over two years.
Joe, who plans to get an extra £5,000 in government bonuses to fund a dream holiday for himself and his partner after they turn 60 (and the kids have moved out!)
Dan, who got an extra £11,000 towards his first home on top of his own savings, simply by choosing a OneFamily Lifetime ISA
Erin, who moved her matured child trust fund into a OneFamily Lifetime ISA, easily adding £2,000 on to her savings over two years.
Joe,who plans to get an extra £5,000 in government bonuses to fund a dream holiday for himself and his partner after they turn 60 (and the kids have moved out!)
What are lifetime ISAs?
OneFamily’s Lifetime ISA is a type of investment account for UK residents aged 18-39 that works hard to help you buy your first home sooner or save extra for retirement.
No matter how much your investment grows*, you'll pay zero tax on the money you withdraw**
Get up to £1,000 extra each year with the 25% government bonus on everything you pay in***
Invest up to £4,000 each tax year - get started from £25 a month (or a £250 one-off payment)
Use your lifetime ISA to buy your first home (for up to £450,000) or build an extra retirement fund
This is your sign to stop dreaming and start making your first home a reality
Investing in a stocks and shares lifetime ISA
When you choose a stocks and shares lifetime ISA, your money is invested which gives it the potential to grow by more than inflation.
An alternative is a cash lifetime ISA which will grow with interest rates, so returns are more reliable, but there’s less potential to grow.
We invest in stocks and shares because we believe this gives your money a better chance of keeping up with house prices if they go up while you’re saving a deposit.
*However, as with all investing, the value can go down as well as up and there is a risk that you could get back less than you pay in.
**Both types of lifetime ISA are tax-exempt, however tax treatment depends on individual circumstances and may change in the future.
***If you withdraw money from your lifetime ISA for anything other than buying your first home, you’ll be charged a government withdrawal charge which could leave you with less money than you’ve paid in. You can withdraw freely after you turn 60 without paying this charge.
How soon could you save a deposit with the help of our lifetime ISA?
Use our calculator to see how quickly you could reach your mortgage deposit target with the help of the government bonus and low, medium or high investment returns.
This projection shows how your investment could grow at different performance levels. Projections are not a guarantee of future performance. The value of your investment is likely to go up and down over time and there is a risk that you could get back less than you've paid in if you withdraw at a time when the value is lower.
Numbers look good?
Let's get your OneFamily Lifetime ISA open!
Please note: No more than £4,000 may be invested into a Lifetime ISA within a single tax year. This includes your initial investment and your monthly direct debit payments.
Why choose OneFamily?
Trusted by 2 million customers UK-wide since 1975
50 years of growing our customers’ financial wellbeing
Rated highly by our customers with a 93% satisfaction score
Source: Bright survey, 2024.
Your investment options
Global Equity
For more adventurous long-term investors
Global Equity invests in company shares.
When deciding which shares to buy, Global Equity takes into account how sustainable companies' business models are and what they're doing to lessen their negative impact on the environment.
Risk rating
Lower
Higher
You can find out more about Global Equity in our Key Information Document and Fund Factsheet
Despite having an investment focus on the climate, we've chosen not to apply a UK Sustainable Investment Label for this fund.
Global Mixed
For more cautious long-term investors
Global Mixed invests at least 65% of your money into lower risk, fixed-interest assets, which makes this fund a more cautious investment option compared to Global Equity. This element of the fund doesn’t use Global Equity's climate-focused criteria.
Up to 35% of this fund invests in climate-focused company shares via the Global Equity fund.
Risk rating
Lower
Higher
You can find out more about Global Mixed in our Key Information Document and Fund Factsheet
Are you looking to transfer an existing help to buy ISA or lifetime ISA to OneFamily?
Lifetime ISA rules
If you take money out of your lifetime ISA without following these rules, you’ll be charged a 25% government penalty, which may mean you get back less than you pay in.
Open a lifetime ISA in just 5 minutes...
One small step for you, one giant leap towards home ownership
