Over 2 million members
have invested in their future with OneFamily
How does it work?
Step 1
Take out your investment product
Open a Lifetime ISA through your unique link sent to you by your family member
Step 2
Get rewarded
Set up a direct debit to your account, then you and your friend will both receive your £25 referral reward*
Step 3
Start referring
As soon as you have an investment product with OneFamily, you can start referring your friends!
What is a lifetime ISA?
A lifetime ISA is a type of ISA designed exclusively to help young people (18-39) buy their first place or put extra money away for retirement.
It comes with a 25% government bonus – the government tops up everything you pay in by 25%.
You can pay in up to £4,000 each tax year so there’s up to £1,000 bonus available every year!
At OneFamily, we offer a stocks and shares lifetime ISA because we believe this gives your money the best potential to grow*.
Getting started is simple. Choose the climate-focused fund that works for you. Then set up a Direct Debit of at least £25 a month or pay in a lump sum of £100 or more.
If you withdraw from your Lifetime ISA for anything other than buying a first home (worth no more than £450,000), you’ll be charged a 25% government penalty which may leave you with less than you’ve paid in. This charge doesn’t apply after you turn 60.
How long will it take me to save for my first home?
Use our calculator to see how quickly you could become a homeowner with the help of the government bonus and typical investment returns.
This projection shows how your Lifetime ISA could grow with typical anticipated performance. Remember, projections are not a guarantee of future performance and you could get back less than you pay in.
Your investment options
We offer three investment styles which give you the freedom to invest your money in a way that’s rewarding and comfortable for you.
Cautious
Aims for modest growth with more investment in lower-risk assets
Balanced
Aims for more growth with more investment in higher-risk assets
Adventurous
Aims to maximise growth with a focus on higher-risk assets
Your money will be invested in the ‘OneFamily Global Select 35% Shares’ fund which aims to achieve modest growth, with moderate fluctuations in value.
Figures above are calculated from 30 April to 30 April for all the periods shown.
The past performance data in the graph above is simulated and does not reflect the actual investment performance. It uses the historic fund prices and charges of the underlying funds which are denominated in USD and EUR. This carries the risk of exchange rate movements. Please note that all transactions you make in the actual fund will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment optionsYour money will be invested in the ‘OneFamily Global Select 65% Shares’ fund which aims to achieve higher growth, but with more fluctuations in value.
Figures above are calculated from 30 April to 30 April for all the periods shown.
The past performance data in the graph above is simulated and does not reflect the actual investment performance. It uses the historic fund prices and charges of the underlying funds which are denominated in USD and EUR. This carries the risk of exchange rate movements. Please note that all transactions you make in the actual fund will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment options
Your money will be invested in the ‘OneFamily Global Select 100% Shares’ fund which aims to maximise growth but has the potential to see the largest fluctuations in value.
Figures above are calculated from 30 April to 30 April for all the periods shown.
The past performance data in the graph above is simulated and does not reflect the actual investment performance. It uses the historic fund prices and charges of the underlying funds which are denominated in USD and EUR. This carries the risk of exchange rate movements. Please note that all transactions you make in the actual fund will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment optionsIt’s important to remember past performance isn't a guide to future performance.
Annual management charge of 1.1%
Lifetime ISA rules
If you take money out of your lifetime ISA without following these rules, you'll need to pay a 25% government withdrawal charge
Referral FAQs
*Your e-gift card will be sent within 30 days after a period of 6 months since your first direct debit or lump sum was paid, Terms and Conditions apply
** Source Bright survey, 2024
Why choose OneFamily?
Open a OneFamily Lifetime ISA in 5 minutes
Grow your savings faster with a 25% government bonus every time you pay in. Start from just £25 a month, up to £4,000 a year.
*Compared to cash lifetime ISAs, which grow your money with interest rates. As with all investing, the value can go up and down and you could get back less than you’ve paid in.