Cookie Policy

We use cookies on our website and have placed these on your computer. By continuing to use our website you consent to this. For more information, including how to change your cookie settings and to disable our non-essential Google Analytics cookies, please refer to our Cookie Policy. If you do not wish to be reminded of this on each visit, please use the close button.

EQi, your Lifetime ISA provider

Open your LISA
  • 18-39

    A Lifetime ISA (LISA) is available to UK residents aged 18-39

  • £1,000

    Receive up to £1,000 in government bonuses each year

  • 0.2%

    The EQi stocks and shares LISA is competitive

Why choose EQi to provide your LISA?

A Lifetime ISA (LISA) is designed for the big things in life – a first home and a comfortable retirement.

We know that it takes time to grow the value of your investments which is why EQi has put in place everything the under-40s will need to meet their LISA goals.

Our platform gives you control over your investments, but more than that, we also give you access to independently rated investment funds. Funds let you buy into a whole basket of assets in one transaction and are an ideal way to get started.

With an EQi LISA, you’ll benefit from the low custody fee in the market*. By keeping our costs low, you can keep more of your money invested for longer.

With EQi, you'll pay a custody fee (the fee we charge for safekeeping of your assets) of just 0.2% per annum, a competitive rate in the market* because we believe that as younger investors typically have less to invest, they should also pay lower fees.

What you save in fees will go towards your LISA goal, whether that be your first home or an additional retirement pot.

At EQi, we make sure you can focus on the big picture.

Investment Risk Warnings

The value of investments can fall as well as rise and any income from them is not guaranteed and you may get back less than you invested. Past performance is not a guide to future performance.

EQi does not provide investment advice. If you are in any doubt as to the risk or suitability of an investment or product you should seek advice from an independent financial adviser.

The extent and value of any ISA tax advantages or benefits will vary according to the individual's circumstances. The levels and bases of taxation may also change.

What is a LISA?

A LISA is a Lifetime ISA, an account available if you are aged between 18-39. It was introduced in 2017 to help people save for their first home or put money aside for their retirement.  

The government withdrew its Help to Buy ISA in November 2019 but the Lifetime ISA still offers a clear advantage to younger investors.

The big plus is that you can invest up to £4,000 in an EQi LISA each year, giving you access to a wide range of investments, and the government will add a 25% bonus up to a maximum of £1,000.

Couples saving for a first property can each open an EQi LISA and any gains your investments make will be free from capital gains and income tax.


  • The bonus

    The bonus makes an EQi LISA attractive. If you invest £4,000 every year from the age of 18, you’ll receive £32,000 in government top ups by the time you are 50.

    It is important to remember that, as with every investment product, its value can fall as well as rise, which is why it is sensible to allow a time frame of five years or more to ride out any stock market volatility.

    Furthermore, unless taken out for a permitted purpose there is a penalty when taking money out of the account. Find out more here.

  • Who suits an EQi LISA?

    • If you are happy to be an active investor
    • If you are aged 18 to 39 years old
    • If you can invest for five years or more
    • If you are saving for a house or for your retirement