The £450k LISA Cap is BLOCKING London First-Time Buyers 🚫

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This investment opportunity designed to
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help young people get on the housing
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ladder is actually locking young people
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out. The lifetime ISO was introduced in
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April 2017, designed to help young
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people save more efficiently to get on
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the housing ladder, allowing them to add
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£4,000 taxfree into the ISA annually up
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to a £20,000 ceiling. But here's the
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catch. It can only be used for
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properties up to £450,000.
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Now, for the rest of the country, that's
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not a major issue with the average house
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costing £272,000
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as of September 2025. For Londoners,
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it's a different story with the housing
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market getting more and more expensive
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and more and more properties are
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breaching that threshold. As of
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September, most properties were hitting
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£550,000.
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But what does this mean for young people
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in London? Now, effectively, it means
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those who have saved into a Lysa can't
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use their funds because they'll be
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penalized as part of a license
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requirement. If you use that money for
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an unauthorized withdrawal, you lose the
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25% government bonus that comes with it,
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but you also lose some of your own
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money, and that's the catch. So, this
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means basically the LISA is ineffective
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for those in London. Are you trying to
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get on the housing ladder? Let us know
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if Eliza has worked for

The £450k LISA Cap is BLOCKING London First-Time Buyers 🚫

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The £450k LISA Cap is BLOCKING London First-Time Buyers 🚫

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