Based on 4928 reviews
A product by Moneybox app
With Moneybox, you can choose from a cash lifetime ISA or a stocks and shares lifetime ISA. A Moneybox lifetime ISA can be opened with just £1. You can apply for...
Based on 586 reviews
A product by Tembo Money
You can open a Tembo cash lifetime ISA or a stocks and shares lifetime ISA by downloading the app and depositing a minimum of £1. Tembo doesn’t charge monthly subscription...
Based on 93 reviews
A product by J.P. Morgan Personal Investing (formerly Nutmeg)
The J.P. Morgan Personal Investing stocks and shares lifetime ISA can be opened online with a minimum of £100. J.P. Morgan Personal Investing has a range of portfolios for its...
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Frequently asked questions
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What is a Lifetime ISA?
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A Lifetime ISA (individual savings account), often called a LISA, is an account that helps you increase your savings either to buy your first home or to supplement your retirement fund.
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How does a Lifetime ISA work?
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You can only open a Lifetime ISA if you're aged between 18 and 40. You can deposit up to £4,000 in a single tax year, which counts towards your annual ISA allowance. The government will top up your contributions by 25%, up to a maximum of £1,000. You can only access the funds in a Lifetime ISA to buy your first home with a mortgage or after the age of 60 for retirement.
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Is a Lifetime ISA worth it?
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Yes, a Lifetime ISA is an excellent way to grow your savings to help you buy your first home or provide additional income during retirement. You even earn extra tax-free interest on top of your contributions and government top-ups.
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Can I have both a Lifetime ISA and a Cash ISA?
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Yes, you can have both a Lifetime ISA and a Cash ISA. You'll be charged a 25% fee if you withdraw money from a LISA for any reason other than to buy a home or for retirement. Accessing money in a Cash ISA is more flexible, so you can use the two accounts to save for different goals. You can contribute up to £20,000 in total across any ISAs you hold, with no more than £4,000 of this amount going into your LISA.
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