New first-time buyer ISA: what happens to the LISA & Help to Buy ISA? Is AI good for consumers?
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 29 January 2026
⏱️ 56 minutes
🧾️ Download transcript
Summary
Martin Lewis explains what we know about the product set to replace the Lifetime ISA, and what could happen to your LISAs and Help to Buy ISAs. Plus, Martin asks you if you think AI is good for consumers, you tell us when you’ve felt financially burned by a firm or product provider, because you took your eye off the ball, and does Adrian finally get a Money Mastermind question right? This week’s is on Section 75 protection, and you’ll have to listen to find out!
If you want to ask Martin a question, you can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his best dance move, if he’s scared of snakes, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, Podcasts. |
| 0:05.0 | The new product will be only a first-time buyer's product. It will eventually replace a lifetime I said. |
| 0:14.4 | I need to buy a new vacuum cleaner for my family home. |
| 0:17.3 | What is going to happen to jobs? That'll teach them. I'll bring them to their needs. |
| 0:20.8 | I think in the future we may get to specific source AI. Hello, I'm Martin Lewis and this is the |
| 0:26.4 | cunningly named the Martin Lewis podcast. I do wonder what that's going to be about. Now, usually |
| 0:31.4 | much of it comes from my BBC Radio 5 live show with Adrian Childs, but there's also bonus money-saving |
| 0:36.4 | tips just for you lucky, lucky |
| 0:38.5 | podcast listeners. |
| 0:39.8 | In today's pod, we now know the government is going to launch a new first-time buy a savings |
| 0:44.8 | product to replace the lifetime ISA and the help to buy ISA. |
| 0:48.5 | We'll explore what that means, especially for those already with money in LISAs and |
| 0:53.3 | help to buy. |
| 0:54.0 | Is large language AI, like ChatGPT and Gemini good or bad for consumers? |
| 0:59.6 | I give you my view, you give me your view and AI gives its view too. |
| 1:03.8 | The Tellers is all about when you felt financially burned by a thermal product provider |
| 1:08.8 | because you took your eye off the ball. |
| 1:11.3 | Inspired by Adrian's nightmare breakdown cover overpayment. |
| 1:15.1 | And this week's Money Mastermind is on credit card protection. |
| 1:19.0 | How well do you know your Section 75? |
| 1:22.0 | Play the theme tune. |
| 1:23.0 | I got meals. |
... |
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