Lifetime ISA information hub
Lifetime ISAs can be used to help save for your first home or for retirement. You won’t pay tax on any money your lifetime ISA makes and the government will give you 25% on top of everything you pay in, up to £1,000 a year.
Our lifetime ISA calculator can also help you find out how quickly you could reach your savings goals with a OneFamily Lifetime ISA.
Lifetime ISAs explained
What is a Lifetime ISA?
A Lifetime ISA is an ISA with a government bonus that can help you save for your first home or retirement.
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Lifetime ISA: cash vs stocks and shares
If you’re thinking about using a lifetime ISA to save for your first home, have you thought about whether to open one that saves in cash or one that invests in stocks and shares?
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Lifetime ISA FAQs
See below for some common questions about our Lifetime ISA. If you have a question that isn’t answered here, please contact us by secure message from within your online account.
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Lifetime ISA allowance
You can put up to £4,000 into your Lifetime ISA every tax year. The more money you put in, the bigger your government bonus will be.
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Lifetime ISA Charges
There are always some underlying charges when investing in a stocks and shares Lifetime ISA, regardless of your chosen provider.
Read articleUsing a lifetime ISA to save for your first home
Take a look at our first-time buyers guide for tips on 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?
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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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 articleUsing a lifetime ISA to save for your retirement
Saving for retirement when you’re self employed
As a self-employed person you don’t get automatically enrolled in a workplace pension. How can you save for retirement?
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