Over 2 million members
have invested in their future with OneFamily
What is a lifetime ISA?
OneFamily’s Lifetime ISA is a government backed investment account which helps you save for your first home or retirement.
You can invest up to £4,000 a year, and the government will top it up with a 25% bonus — that’s up to £1,000 extra every year.
Our Lifetime ISA invests in stocks and shares, which means your investment can go up or down in value, and you may get back less than you put in. But with the potential for growth and a government bonus, it’s a powerful way to invest in your future.
Getting started is simple. Choose from one of our three climate-focused funds to match your investment style. Then set up a direct debit from £25 a month or pay in a lump sum starting at £250.
Lifetime ISAs are available to UK tax residents aged 18 to 39, and you can keep contributing until you turn 50.
If you withdraw your money before you turn 60 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.
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.
Get access to member benefits
As a OneFamily member, you’ll enjoy exclusive access to our member benefits programme. From discounted cinema tickets, savings on your weekly grocery shop, reduced gym memberships and high street discounts. Our benefits are here to help your money go further whilst you’re investing in your future.
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.
It’s important to remember past performance isn't a guide to future performance.
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.
The figures above are calculated from September to September for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th September 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make 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.
The figures above are calculated from September to September for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th September 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make 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.
The figures above are calculated from September to September for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th September 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make 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 optionsAnnual management charge of 1.1%
Transfer an existing ISA, 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 need to pay a 25% government withdrawal charge
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.