Your Lifetime ISA.
Your first home.
Know what you’ll keep.

Buying your first home with a Lifetime ISA? See which charge applies (0%, 20% or 25%), what reaches your deposit, and what to do by when — under the rules in force from 29 Oct 2026.

Check the charge, compare the choices and take a dated plan to your conveyancer.

Try an example, or enter your own figures below. No sign-up. Saved reports are readable by anyone with their link.

1. The home

Agreed purchase price (£)Genuine fixtures and fittings bought separately (£)

Only genuine fixtures and fittings bought separately under the contract can be excluded — your conveyancer decides; never inflate them.

Shared ownershipExpected completion dateHow are you buying?I intend to live here as my only or main homeThis purchase gives me a legal interest in land (a houseboat does not)The purchase has already fallen throughAll withdrawn money, including any charge, has returned to the LISA

2. Your Lifetime ISA

Each holder is checked separately. Use account labels rather than personal details.

Holder 1

Label (optional, avoid personal details)I have never owned an interest in a home anywhere, including through inheritanceDate of birthDate of first LISA paymentCurrent balance (£)Total of your own payments (£)Government bonus received (£)Amount to withdraw (£) — blank uses balanceDate the money leaves your Lifetime ISA (withdrawal date)

Providers can take a few days to a few weeks after you ask. Blank uses today. This date determines the 12-month rule and the 20%/25% date rule; completion is separate.

Payments still waiting for a bonus (£)I am claiming a Help to Buy ISA bonus for this purchase

3. If I kept it until 60 (optional)

An illustration of keeping your balance for retirement and borrowing the missing deposit instead. This is not a recommendation.

Illustrated annual growth (%)Illustrated mortgage rate (%)Mortgage term (years)

Use it from a script

Send JSON to POST /api/check. The reply includes the result and share links for HTML, Markdown and CSV. Dates use YYYY-MM-DD; amounts are pounds. Omit asOf to use today in Europe/London.

{
  "purchase": {
    "agreedPrice": 395000,
    "completionDate": "2027-01-15",
    "mainResidence": true,
    "mortgage": "residential",
    "legalInterestInLand": true
  },
  "holders": [
    {
      "firstTimeBuyer": true,
      "dateOfBirth": "1996-05-14",
      "firstPaymentDate": "2021-05-01",
      "balance": 5000,
      "paidIn": 4000,
      "bonusReceived": 1000
    }
  ]
}

Read a saved result at GET /api/r/:id, see examples at GET /api/samples, or check availability at GET /api/health. One or two holders, maximum request size 32 KB.

Holder 1

Use it from a script

Holder 2