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

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:

A higher revenue percentage from “green” business activities, such as renewable energy production.
A clear strategy and action plan to reduce greenhouse gas emissions
Lower carbon emissions, including within their supply chain.
Lower greenhouse gas emissions in the event the company used all of its fossil fuel reserves.
Lower proportion of income from non-climate friendly activities such as drilling and mining.

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

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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?

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.

View Lifetime ISA FAQs

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.

Read more

Are there any Lifetime ISA charges?

We charge one, simple, Account Management Charge of 1.1%. There are no hidden fees.

Read more

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

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:

0808 168 0700**

**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.

Lifetime ISA from OneFamily