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Lifetime ISA + H2B ISA | Government Bonus
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If you can't both take advantage of the higher annual LISA contribution limit (i.e. £4K/year versus £200/month with HTB), and the £250K property value cap isn't an issue for you, then the second option of one HTB and one LISA is likely to be a slightly higher return, by virtue of better HTB interest rates.we won't be able to afford more than the £200 for the H2B, + maxing out the Lifetime ISA at the same time...
However, if your financial circumstances improve between now and purchase (pay rises, bonuses, inheritances, lottery wins?) then having some headroom in two LISAs wouldn't be a bad thing, so it's ultimately a judgement call!0 -
Thanks all! Really appreciated!0
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