Lifetime ISA

What is Housemates and how does it work?

Housemates allows you to invite another Moneybox customer to link their Lifetime ISA with yours, so you can view your combined savings towards your first home! It only takes a couple minutes to set up, and you’ll just need the email address of the person you’d like to invite.

You can send an invite in Accounts > Lifetime ISA > Add your buying partner. If your buying partner already holds a Moneybox account, you should use the email address they used to register. Once they’ve accepted the invitation, you’ll see their LISA balance appear in the Accounts tab, and they’ll see yours too!

Please note that Housemates just allows buying partners to view each other’s LISA balances and we do not currently offer joint accounts.

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It's important you know

Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.

A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.

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The 2025/26 tax year has begun - your ISA allowances have now reset!Learn more