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Lifetime ISAs

The past few years have seen several innovations in the savings account market. Gone are the days when savers only had cash and stocks and shares ISAs to choose from. Nowadays you can open specialist accounts designed to help you save for your first home and for your retirement. These innovations have helped to position the humble individual savings account as a powerful and flexible means of both saving your money and earning a return on your deposits.

In April, the Lifetime ISA became the newest entry to the market. In this guide we look at how you can use Lifetime ISAs. The government introduced the Lifetime ISA with the intention of helping young people to either save for their first home or build up their retirement savings. As such, Lifetime ISAs are only available to people aged between 18 and 39 years old. You cannot open a Lifetime ISA once you turn 40.

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