Answers · UK 2025/26
Can I have both a Help to Buy ISA and a Lifetime ISA?
Yes, you can hold both, but you cannot use the government bonus from both for the same property purchase. Help to Buy ISAs closed to new applicants on 30 November 2019; existing holders can pay in until 2029 and claim the bonus until 2030.
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You can legally hold both a Help to Buy ISA (if opened before 30 November 2019) and a Lifetime ISA at the same time. You can also pay into both in the same tax year (Help to Buy contributions count toward your £20,000 ISA allowance). However, when buying a home you can only claim the government bonus from one of them — most buyers transfer their Help to Buy ISA into a Lifetime ISA before the property purchase to get the more generous 25% bonus on a larger pot. The Help to Buy ISA closes for new contributions on 30 November 2029 and the bonus must be claimed by 1 December 2030. Lifetime ISA properties are capped at £450,000 anywhere in the UK; Help to Buy was capped at £250,000 outside London and £450,000 inside London.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.