The Lifetime ISA was created in 2016 as part of “a budget that puts the next generation first”. It aimed to incentivise young people to start saving earlier in life and help them navigate the dilemma between buying a first home and preparing for retirement.

So why, then, 9-years on as part of the 2025 Autumn Budget, has the Government announced it is consulting on replacing it?

There had been a lot of noise surrounding the Lifetime ISA . Some from organisations where it is in their interest to disregard the product, more from those that fundamentally misunderstand the way it works and the positive impact it has. As the UK ’s leading provider of the Lifetime ISA we choose to let the data do the talking.

Since its launch, the LISA has helped hundreds of thousands of people buy

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