Compare the 25% government bonus from both first-home ISAs. Updates as you type.
Closed to new accounts — figures apply only if you already hold a Help to Buy ISA.
Deposits stop on 30 Nov 2029, so only 41 more months of saving counts here.
Eligible: your £250,000 home is within the £250,000 price cap.
Eligible: your £250,000 home is within the £450,000 cap (UK-wide).
Open ages 18–39, pay in until 50. Must be open 12 months before your first purchase; 25% charge on non-qualifying withdrawals.
Estimates for the 2026/27 tax year. Both schemes pay a 25% government bonus. The Help to Buy ISA is closed to new accounts — existing savers can pay up to £200 a month until 30 November 2029 and must claim the bonus (minimum £400, maximum £3,000) by 1 December 2030; the bonus is paid at completion and cannot fund the exchange deposit. The Lifetime ISA gives up to £1,000 a year on the first £4,000 saved with no lifetime cap, but a 25% charge applies to withdrawals that are not for a first home (up to £450,000) or retirement from age 60. The LISA is due to be replaced by a First-Time Buyer ISA in 2028; existing holders can continue. Figures ignore interest and investment growth. This is not financial advice — check GOV.UK and confirm your eligibility before deciding.