25% government bonus on the money you invest

Available to 18-39 year olds

Designed to help you save for your first home or later life

2 simple climate-friendly investment options

Helping you invest in your future

With a 25% government bonus on investments of up to £4,000 per year, our Lifetime ISAs can help you to get a foot on the property ladder, or start saving for your retirement.

About the OneFamily Lifetime ISA

A Lifetime ISA is designed to help you save for your first home or for your retirement. You can invest up to £4,000 per year and receive a 25% government bonus on top - that's up to £1,000 every year. As it's tax-free, you won't pay tax on any growth your investment makes.

You can use your Lifetime ISA to buy your first home (up to £450,000) or you can keep investing until you're 50 and then access the money when you turn 60. After you've invested for 12 months, you can withdraw money from your Lifetime ISA, including the 25% bonus, to help you purchase your first house. You can also withdraw the money and bonus when you're aged 60 or above.

It's important to remember that if you withdraw money in the first 12 months, or make a withdrawal which isn't for your first home before the age of 60, you will be subject to a withdrawal penalty.

Our Lifetime ISA invests in stocks and shares which means you could see more growth than cash over the long term - as with all investing, this approach does come with risk and you could lose money as well.

Find out more about LISA's here: What is a Lifetime ISA?

We ensure your investments are climate friendly

Our two investment options allow you to invest your money either fully or partly into climate-friendly shares. We're really strict on only selecting companies that work harder than other companies in their industry to become more sustainable. To qualify, they must have:

A higher revenue percentage from “green” business activities, such as renewable energy production.
A clear strategy and action plan to reduce greenhouse gas emissions
Lower carbon emissions, including within their supply chain.
Lower greenhouse gas emissions in the event the company used all of its fossil fuel reserves.
Lower proportion of income from non-climate friendly activities such as drilling and mining.

Why invest with OneFamily?

We keep things simple for you with a 1.1% annual management charge, 24/7 online account management and a choice of two climate-friendly investment options.

With over £3.5m given to our customers, communities, charities and good causes across the UK, we’re committed to making a difference.

See what our customers are saying....

See what your Lifetime ISA could be worth

Choose how much you want to pay into your Lifetime ISA and see how your money could grow 

This projection shows how your Lifetime ISA could grow with low, medium and high performance. Remember, projections are not a guarantee of future performance and you could get back less than you pay in


Lower performance

After 5 years
You've invested 2,200
Government bonus 500

Projected value

5 years

Higher performance

What do these numbers mean?

Our guides to Lifetime ISAs

Get all the information you need to feel fully informed when investing in your future.

Transfer to our Lifetime ISA

You can transfer an ISA or Child Trust Fund held with another provider to our Lifetime ISA

Transfer a Lifetime ISA

Lifetime ISA FAQs

Got a question about Lifetime ISAs? Browse our frequently asked questions to get the answers you need.

View Lifetime ISA FAQs

Help to Buy ISA vs Lifetime ISA

There are two ISAs that can help you save for your first home; the Help to Buy ISA and the Lifetime ISA. Find out which is right for you.

Read more

Are there any Lifetime ISA charges?

There are always some underlying charges when investing in stocks and shares, we like to keep things simple. Learn more about our approach.

Read more

How to open a Lifetime ISA with us

A simple choice of two climate-friendly funds to choose from, which can be switched between any time, free of charge

Got a question about our Lifetime ISA? Try our FAQs.

Open your Lifetime ISA

Start your savings journey today.

Once you’ve selected your preferred product, click the button below to get started.

By clicking apply and starting the application you confirm you have read, and agree to, the terms and conditions, Key Features document and relevant Lifetime ISA Key Information documents

Want to transfer to us?

If you've got an ISA or CTF with a different provider you can transfer it to us free of charge. We accept transfers from Help to Buy ISAs, Cash ISAs, Stocks & Shares ISAs and matured Child Trust Funds with a balance of at least £250. You can use the transfer to open your new Lifetime ISA, or transfer it to us once you've completed your application. Please check with your current provider in case they have any charges for transferring.

Transfer your OneFamily CTF money into this product

If you want to transfer your OneFamily Child Trust Fund money into our ISA or Lifetime ISA you will need to register and / or login to your CTF online account