Helping you invest in your future
With a 25% government bonus on investments of up to £4,000 per year, our Lifetime ISAs can help you to get a foot on the property ladder, or start saving for your retirement.
About the OneFamily Lifetime ISA
A Lifetime ISA is designed to help you save for your first home or for your retirement. You can invest up to £4,000 per year and receive a 25% government bonus on top - that's up to £1,000 every year. As it's tax-free, you won't pay tax on any growth your investment makes.
You can use your Lifetime ISA to buy your first home (up to £450,000) or you can keep investing until you're 50 and then access the money when you turn 60. After you've invested for 12 months, you can withdraw money from your Lifetime ISA, including the 25% bonus, to help you purchase your first house. You can also withdraw the money and bonus when you're aged 60 or above.
It's important to remember that if you withdraw money in the first 12 months, or make a withdrawal which isn't for your first home before the age of 60, you will be subject to a withdrawal penalty.
Our Lifetime ISA invests in stocks and shares which means you could see more growth than cash over the long term - as with all investing, this approach does come with risk and you could lose money as well.
Find out more about LISA's here: What is a Lifetime ISA?
We ensure your investments are climate friendly
Our two investment options allow you to invest your money either fully or partly into climate-friendly shares. We're really strict on only selecting companies that work harder than other companies in their industry to become more sustainable. To qualify, they must have:
Why invest with OneFamily?
We’re owned by our members for our members - and doing right by them is at the heart of our business.
We’re proud to have provided more than £4.75 million* in funding since 2015 through our individual and community-based funding initiatives – supporting over 390 great causes such as foodbanks, homeless charities and schools - and improving the lives of over 3,200 people through our individual grants.
* As at 31 December 2021
See what our customers are saying....
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
Our guides to Lifetime ISAs
Get all the information you need to feel fully informed when investing in your future.
Lifetime ISA FAQs
Got a question about Lifetime ISAs? Browse our frequently asked questions to get the answers you need.
Help to Buy ISA vs Lifetime ISA
If you have a Help to Buy ISA, you might be better off transferring it to a LISA, depending on your circumstances. Find out which is right for you.
Are there any Lifetime ISA charges?
We charge one, simple, Account Management Charge of 1.1%. There are no hidden fees.
How to open a Lifetime ISA with us
A simple choice of two climate-friendly funds to choose from, which can be switched between any time, free of charge
Global Equity
Invest into global companies who focus on operating in a more sustainable way
Invest for your future in a way that's aligned with your values. Global Equity invests your money into companies who are actively working towards a more sustainable business model and reducing their carbon footprint. Find out more about our climate investments
- Avg. yearly
growth*
- Fund
size
- Global
investments
Risk rating
Lower HigherFund performance:
*Performance includes all charges payable. Please remember that past performance should not be seen as an indication of future performance.
You can find out more about Global Equity in our Key Information Document and Fund Factsheet
Global Mixed
A balanced mix of climate-friendly companies and fixed interest investments to reduce risk
Invests up to 35% of your money into climate-friendly shares and at least 65% into fixed interest assets and bonds to help reduce risk. Choose this fund if you want to invest in a responsible way while lowering risk of loss. Find out more about our climate investments
- Avg. yearly
growth*
- Fund
size
- Global
investments
Risk rating
Lower HigherFund performance:
*Performance includes all charges payable. Please remember that past performance should not be seen as an indication of future performance.
You can find out more about Global Mixed in our Key Information Document and Fund Factsheet
Got a question about our Lifetime ISA? Try our FAQs.
Start saving - open or transfer to a Lifetime ISA today
You can easily open a Lifetime ISA by calling us on:
**Lines are open Monday to Friday 9am to 5:30pm. Calls may be monitored and recorded for training purposes.
Calls to 0808 numbers are free from UK landlines and personal mobile phones. With business mobiles, the cost will depend on your phone provider. If you’d like to know more, please ask your provider.
If you wish to transfer your OneFamily Child Trust Fund money into our Lifetime ISA, log in to your account.
