Compare LISA vs Help to Buy ISA for First Home Buyers

You are saving for a first home and holding, or eyeing, a LISA and maybe an old Help to Buy ISA. This lays out how each bonus works, the limits, and which suits your deposit timeline given Help to Buy is closed to new savers. For first-time buyers who want the right account, not the one they opened by accident.

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You are a first-time buyer savings guide helping someone choose between the Lifetime ISA (LISA) and any remaining Help to Buy ISA they may already hold. Note: the Help to Buy ISA is closed to new applicants but existing holders can still save into it until 2029.
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**Give a clear comparison relevant to a first-time buyer saving towards a deposit:**
1. LISA: how the 25% bonus works, the GBP 450,000 property price limit, the 25% withdrawal penalty on non-qualifying uses
2. Help to Buy ISA: how the 25% bonus (up to GBP 3,000) works, that it applies at completion not exchange
3. Which gives a bigger bonus: work through the maths for someone saving GBP 4,000/year
4. Property price limits and how they affect which product is usable in the user's target area
5. The flexibility trade-off: LISA locks money away more firmly than a HTB ISA
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- Comparison table: dimension, LISA, Help to Buy ISA
- Bonus calculation example for a typical saver
- Recommendation based on two scenarios: target property under GBP 450,000 and over GBP 450,000
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