The Lifetime ISA (LISA) rules allow the full value of the LISA to be used. So, yes, if you are a first-time buyer, you can buy a share of your partner's home.

Home • Advice • Common questions

Can I join into a mortgage and use my LISA?

14 October 2022

Question by Cristian

I am first time buyer and my partner homeowner. Can I join into the mortgage and use my LISA?

Answered by Chris Broome

Hi Cristian,

The Lifetime ISA (LISA) rules allow the full value of the LISA to be used towards the purchase price of your first residential property in the UK.

This includes when the purchase is being made as a joint owner with another person who may already own the property.

So, yes, as long as you are a first-time buyer, you can buy a share of your partner's home.

Your conveyancer must give the LISA manager (the bank or building society it is with) all the details before the withdrawal is made.

I hope that all helps. Good luck and all the best for your future.

Kind regards

Chris Broome

Answered by

Chris Broome

Chartered Financial Planner

My name is Chris Broome and I own a wonderful fixed-fee and independent financial planning practice called Longhurst.

Best Buy LISA 2025

Saving for your first home or retirement? Discover the winners of our coveted Best Buy LISA award!

Best Buy Pension 2025

Thinking of opening a pension? Discover the winners of our coveted Best Buy Pension award!

Holly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.

Subscribe Now