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First-time buyer Isa v lifetime Isa– which one should you choose?

Despite plans to scrap the lifetime Isa, experts still advise you open one now and not wait for the new first-time buyer account to launch

This story summarizes reporting from The Guardian. Read the original for full context. Wire items stay in our news sitemap for seven days. Editorial policy.

Read full story on The Guardian →
Rupert Jones31 Aug 2026, 06:00 amUpdated 2d ago1 min readEuropeUnited Kingdom
First-time buyer Isa v lifetime Isa – which one should you choose?

United Kingdom — Rupert Jones

Despite plans to scrap the lifetime Isa, experts still advise you open one now and not wait for the new first-time buyer account to launch

If you want to start saving towards your first home, don’t wait until a new Isa just for first-time buyers goes on sale. That is the advice from experts after more details emerged about a savings account the government plans to launch to help people get a foot on the property ladder.

The first-time buyer Isa is likely to replace the existing lifetime Isa in two years and is supposed to be simpler than the older account. However, it looks as if the financial benefits won’t be as attractive as those offered by the current product, so there’s no advantage in hanging around.

If you want to start saving towards your first home, don’t wait until a new Isa just for first-time buyers goes on sale. That is the advice from experts after more details emerged about a savings account the government plans to launch to help people get a foot on the property ladder.

This report is published with credit to The Guardian. The wire sent a summary; open the original for any extra context. Read on The Guardian →

Source: The Guardian · Rupert Jones. Published 31 Aug 2026, 06:00 am.

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