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If you’re finally in the position to buy a home, we’ve pulled together the information you need to use your LISA towards your purchase.
You can use your LISA funds if it’s been open for at least 12 months to buy your first home, without any government withdrawal charge. You don't have to use your full LISA balance to buy your home. Any funds you leave in your account can be accessed after your 60th birthday.
If you’re buying with someone else who is also a first time buyer, they can use funds from their own Lifetime ISA and their government bonus too.
If you have a Help to Buy ISA you can only use one government bonus towards your purchase, so be careful choosing.
You will need to complete and send an Investor Declaration Form to your conveyancer.
They will complete the Conveyancer Declaration Form and send both to us. We will release your funds within 30 days.
Buying a house is complicated, so don’t worry if something doesn’t go smoothly. If it turns out your conveyancer needs more than 90 days to complete your purchase, they can apply for extended access to your LISA funds. If they don’t apply for an extension your withdrawn funds are subject to the government withdrawal charge.
If the sale falls through for any reason, simply return the funds to your LISA and they will continue to earn interest and receive the government bonus on your deposits.
Whether you’re applying for a new Lifetime ISA or you’re looking to transfer an existing one, follow the next steps to start your application and start saving for your future.
Learn more about how a Lifetime ISA works and if you're eligible.
Using your LISA towards retirement? Here's what you need to know.
Head officeParagon51 Homer RoadSolihullWest MidlandsB91 3QJ
Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England number 05390593. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ. Paragon Bank PLC is registered on the Financial Services Register under the firm reference number 604551