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

How a lifetime ISA could help you to buy your first home faster

Lifetime ISAs are the ultimate house-buying hack for first-time buyers.

The government tops up everything you pay into a lifetime ISA by 25% - that's an extra £1 towards your deposit for every £4 you save yourself! What's more, as it's an ISA, you won't pay any tax on any money your investments make.

Just be aware that you are limited to saving no more than £4,000 a year into a lifetime ISA and if you take money out for something other than buying your first home (if you're younger than 60), HMRC will charge you a penalty fee.

Lifetime ISAs can shave years off your wait to buy your first home, yet a lot of people who could take advantage have never even heard of them. We're trying to change that. Even if you choose not to open a lifetime ISA with us, we want to make sure everyone who can has the opportunity to benefit from a lifetime ISA savings boost.

Find out more about lifetime ISAs

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Guides to buying your first home

What is a mortgage and how does it work?

When you start looking into buying your first home, the idea of a mortgage can be daunting. But it doesn’t have to be.

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Buying vs renting: which one is right for you?

Owning your own home is very different to living in rented accommodation and one lifestyle could be more suited to you than the other.

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How to save for your first home faster

Saving for your first home takes time, but there’s a few first-time buyer life hacks that can get your feet on the property ladder much quicker.

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How much deposit do I need to buy a house?

Saving for your first home is easier when you have a target to aim for. But the exact amount you need depends on several factors.

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What is the First Homes scheme?

The First Homes scheme was launched by the UK government with the aim of creating more affordable homes for first-time buyers.

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How to use a lifetime ISA to buy your first home

Lifetime ISAs give you a 25% government bonus on top of your savings to help you buy your first home or save for retirement.
However, buying a house can be a complicated process, so how does your lifetime ISA fit in?

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The front of two terraced houses, one with a blue front, the other pink

How to get on the property ladder

Your first home may feel like it will take a long time to save for. But there are ways to get there a little bit sooner.

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Two people holding hands and wearing paint-splashed jeans, with paintbrushes in hand.

Help to buy ISA vs lifetime ISA – which is right for you?

First time buyers get a 25% government bonus with help to buy and lifetime ISAs. Find out if transferring to a lifetime ISA is right for you.

Read article

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?

How to open a lifetime ISA with us

  • 1

    Apply online

    Click the 'Open a Lifetime ISA' button below to get started

  • 2

    Choose a fund

    Select one of our two climate-friendly funds and complete the online form

  • 3

    Manage your investments

    Keep track of your lifetime ISA's performance in your online account

  • 4

    Buy your first home

    Use your lifetime ISA towards the purchase of a first home

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

Start saving for your first home - open a Lifetime ISA online today

Model house money