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When/If to do a Cash Lifetime ISA transfer to a S&S Lifetime ISA
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You can access a LISA before you're 60. Either at no penalty in order to use as a deposit for your first property, or at a 25% penalty if you're not using it for that specific purpose.
Since the 25% penalty is more than the bonus from the government it's best to be OK with not accessing the money until you're at least 60.
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