2025 graduates - meet the OneFamily Lifetime ISA
Get up to £1,000 extra each year towards your first home
^Compared to cash lifetime ISAs, which grow your money with interest rates. As with all investing, the value can go up and down and you could get back less than you’ve paid in.
Your future starts today
Graduating from university is a huge milestone, and we hope you're still buzzing from your big day.
Mapping out your future can feel both exciting and daunting. But don't panic, you've got plenty of time to create the future you want.
If buying your first home is one of your life goals, the earlier you start the earlier you could get the keys in your hand.
And using a lifetime ISA to build your deposit fund could get you there even faster, thanks to the generous 25% government bonus.
However, if you don't use your lifetime ISA the way the government intended, you'll have to pay a 25% withdrawal charge. This could leave you with less than you put in. So it's important to understand the lifetime ISA rules before opening the product.
^Compared to cash lifetime ISAs, which grow your money with interest rates. As with all investing, the value can go up and down and you could get back less than you’ve paid in.
Why choose OneFamily?
Trusted by 2 million customers UK-wide since 1975
50 years of growing our customers’ financial wellbeing
Rated highly by our customers with a 93% satisfaction score
Source: Bright survey, 2024.
Lifetime ISA calculator
Buying your own home might feel a long way off. But saving up for a first-home deposit can take a while, so starting now could be a smart move!
This projection shows how your lifetime ISA could grow with low, medium and high performance.
Projections are not a guarantee of future performance. The value of your investment is likely to go up and down over time and there is a risk that you could get back less than you've paid in if you withdraw at a time when the value is lower.
Please note: No more than £4,000 may be invested into a Lifetime ISA within a single tax year. This includes your initial investment and your monthly direct debit payments.
How OneFamily customer, Dan, landed an extra £11,000 towards his first home
Our customer, Dan Barker (29), got an extra £11,000 towards his first home using his OneFamily Lifetime ISA.
With the combination of the lifetime ISA bonus and increase in value from the stock market^^, Dan benefited from an extra £11,000 on top of the money he put into his lifetime ISA.
“I bought by myself which can make it really difficult to afford, but the extra money I received by investing into a LISA made it possible.
“It wouldn’t have happened otherwise, or I would’ve had to buy a property that required a lot more work or wouldn’t have been able to get the location I’ve got.
“The extra bonus and growth allowed me to get exactly what I want."
Dan Barker
^^When investing in stocks and shares, it’s important to remember that the value of your account can go up as well as down. This means you could get back less than has been paid in.
Choose your investment style
We offer three investment styles which give you the freedom to invest your money in a way that’s rewarding and comfortable for you.
It’s important to remember past performance isn't a guide to future performance.
Cautious
Aims for modest growth with more investment in lower-risk assets
Balanced
Aims for more growth with more investment in higher-risk assets
Adventurous
Aims to maximise growth with a focus on higher-risk assets
Your money will be invested in the ‘OneFamily Global Select 35% Shares’ fund which aims to achieve modest growth, with moderate fluctuations in value.
The figures above are calculated from September to September for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th September 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment stylesYour money will be invested in the ‘OneFamily Global Select 65% Shares’ fund which aims to achieve higher growth, but with more fluctuations in value.
The figures above are calculated from September to September for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th September 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment styles
Your money will be invested in the ‘OneFamily Global Select 100% Shares’ fund which aims to maximise growth but has the potential to see the largest fluctuations in value.
The figures above are calculated from September to September for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th September 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment stylesLifetime ISA rules
If you take money out of your lifetime ISA without following the lifetime ISA rules, you'll have to pay a 25% government withdrawal charge.
This may mean you get back less than you pay in. This is because the amount you withdraw is a combination of money you’ve put in, the government bonus, and any interest or growth.
So, you’ll have to give back all the government bonus you've received, plus 6.25% of your own money on top of that.
Need more information about lifetime ISAs? Read our FAQs.