Lifetime ISA, is the free £1,000/yr still worth it? | Your insider MoneySaving tips
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 26 March 2026
⏱️ 51 minutes
🧾️ Download transcript
Summary
The big topic in this pod is Lifetime ISAs, LISAs give up to £1,000 a year bonus for first time buyers, but there are pitfalls to watch too. With the ISA year about to end, Martin Lewis runs through how they work and how best to use them in detail.
Martin also explains the LISA's predecessor the Help to Buy ISA and which is best. He also goes through the best options currently on the market.
Plus why are vulnerable people made to declare their issues to firm after firm, isn’t it time we stopped that?
This week’s Tell Us is about insider tips you learned from your work that can help others, we’ve brilliant ones from doctors, techies, accountants, electric installers, supermarket, hospitality workers and more.
And this week’s Mastermind is all about pensions.
If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, Podcasts. |
| 0:07.0 | That just isn't healthy for people. |
| 0:09.7 | And it's not healthy for the service. |
| 0:11.3 | And it's what we're calling for. |
| 0:12.2 | It's one of those no-brainers, you know. |
| 0:13.7 | There are many women missing out on that one, and it is a big way to say. |
| 0:16.9 | God, it's complicated. |
| 0:18.1 | They're now having to pay a fine, a penalty to the state. |
| 0:21.4 | That is a completely full answer on the help to buy ISO versus Lifetime Issa. |
| 0:25.7 | Hello, I'm Martin Lewis and this is the cunningly named the Martin Lewis podcast. |
| 0:30.8 | I do wonder what that's going to be about. |
| 0:32.6 | Now, usually much of it comes from my BBC Radio 5 live show with Adrian Child, |
| 0:36.6 | but there's also bonus money-saving |
| 0:38.3 | tips just for you lucky, lucky podcast listeners. |
| 0:42.1 | In today's pod, the big topic is Lifetime Isas, or Lysers, where you can get up to a thousand |
| 0:48.9 | pound a year bonus towards your first property, but there are big pitfalls to watch too. And with the |
| 0:55.3 | I-Cear about to end, I'm going to run through in detail how they work and how to best |
| 1:00.5 | take advantage of them, or maybe when you should avoid them. Many too want to know about |
| 1:05.7 | the Lysa's predecessor that helped to buy ISA, and which one of the two is best. I'll give |
| 1:10.5 | you the runners and riders on that as well. |
| 1:12.7 | And of course you'll want the best buy saver going through all of those for LISAs and help to buy ISAs at the end of the pod. |
| 1:18.6 | Plus, why are vulnerable people made to declare their issues to firm after firm when it's often emotionally difficult and even triggering? |
... |
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