Saving for your first home just got easier
Up to a £1,000 annual government bonus towards your first home. Please read all key documentation before applying.
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25% government bonus on the money you invest
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Available to homeowners aged 55 and over
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1% annual management charge
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Get started today with a free initial consultation
Could a Lifetime ISA help you buy your first home?
Lifetime ISA's allow you to invest up to £4,000 in this current tax year towards your first home. For every £4 you save the government will top it up by £1, that's a 25% bonus on the money you pay in every year until you are 50, but it's only for those aged 18-39.
For first-time buyers getting onto the property ladder has never been harder. If you want to start a new life in a home you can call your own, a Lifetime ISA could be a great way for you to save for your deposit that little bit faster.
Watch how Harriet saved for her
first home with a Lifetime ISA
Can you transfer money from a Help to Buy into a Lifetime ISA?
We accept transfers from Help to Buy ISAs into our Lifetime ISA.
It is worth noting that a Help to Buy ISA is a cash product, unlike a Lifetime ISA which can be cash or stocks and shares.
At OneFamily we only offer a stocks and shares Lifetime ISA, so please read all key documentation before applying.
As our Lifetime ISA invests in stocks and shares, the value can fall as well as rise and you could get back less than is paid in.
Find out more about the difference between a Lifetime and Help to Buy ISA here >
Key documentation
- Terms and Conditions
- Global Mixed Investment Fund Key information document
- Global Equity Fund Key information document
- Lifetime ISA important information
Things to consider
OneFamily only offers a stocks and shares Lifetime ISA. The value of stocks and shares can fall as well as rise and you could get back less than you have paid in.
Please note your Lifetime ISA must be open for 12 months before you can withdraw for the purchase of your first home without incurring any withdrawal charge.
If you withdraw the money before you’re 60, and it’s not for the purchase of a first home up to £450,000, or a terminal illness, the amount withdrawn will be subject to a 25% Government withdrawal charge.
We do not provide advice on Lifetime ISAs. If you have any doubts over the suitability of this product based on your personal circumstances, please seek advice from an independent financial adviser.
What makes our Lifetime ISA different?
Being bombarded with dozens of fund options and complex charges can be confusing, and unhelpful. That's why the OneFamily Lifetime ISA, invested in stocks and shares, makes investing for your future as simple as possible.
The value of stocks and shares can fall as well as rise and you could get back less than you have paid in.
With OneFamily you have:
Am I eligible for a Lifetime ISA?
Not everyone will be eligible for a Lifetime ISA.
We've created a simple tool to help you find out whether you can open one.

Find out how much your Lifetime ISA could be worth using our calculator
Please ensure you open and read the dedicated projections table below before using the projections calculator
I am years old
and I can pay per month
into a stocks and shares Lifetime ISA.
First home
Buying in yearsYour contributions
Government bonuses
£21,838
5% annual growth
2% annual growth
8% annual growth
About your results
The figures are a guide only and we can't guarantee them. They are not a reliable indication of future performance. The amount you get back depends on how the investment grows, stocks and shares can fall as well as rise so you could get back less than you paid in. Also, the cost of living generally increases so the final amount may not buy as much in the future as it could now.
We'll send you statements four times a year to show you how your account is coming along.
The results assume amounts for low (2%) mid (5%) and high (8%) annual growth levels. These figures include a deduction of annual management charges of 1% and additional expenses of up to 0.3%. They also include an estimated inflation rate of 2.5%. Calculations are not exact and charges and inflation rates may vary in the future.
Choosing your fund
OneFamily only offers a stocks and shares Lifetime ISA. The value of stocks and shares can fall as well as rise and you could get back less than you have paid in. We do not offer a cash Lifetime ISA option. If you'd like to find out more about stocks and shares versus cash, please click here.
Aim: greater potential returns, at higher risk over the long term
Our Global Equity Fund could be the right choice for you if you:
- Want a stocks and shares Lifetime ISA
- Are planning to invest for over 10 years
- Have a longer term saving goal so are happy to accept more risk for greater potential returns
Key documentation:
Other useful documents:
Aim: steady growth,
moderate risk, over the shorter term
Our Global Mixed Investment Fund could be the right choice for you if you:
- Want a stocks and shares Lifetime ISA
- Are planning to invest for at least 5 years
- Have a shorter term goal so prefer to accept less risk
Key documentation:
Other useful documents:
How much does it cost?
When investing in a stocks and shares Lifetime ISA there are always some underlying costs, regardless of your chosen provider. Our costs for managing your Lifetime ISA investment have been kept to a minimum, so you keep as much of your money as possible.
If you withdraw the money before you’re 60, and it’s not for the purchase of a first home up to £450,000, or a terminal illness, the amount withdrawn will be subject to a 25% Government withdrawal charge.
1% Annual
Management
Charge
£25 direct debit or £250 lump sum required to open your account
Up to 0.3%
Investment
Expenses Charge
Get a Lifetime ISA today
Simply follow the online instructions and apply for a Lifetime ISA.
It should only take you around 10 minutes from the start of the application.
Please ensure you have read all key documentation before continuing.