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thanksbye
It’s worth noting with LISAs, you get your 25% government bonus up front, so if you pay £4000 in you get £1000 bonus up front (which is the max for a single tax year).
This is great if you intend to buy a house in the near-mid term but should your plans change and you need to withdraw that cash you are penalised 25% of the balance, so for example, if you paid in £4000, got the £1000 bonus then decided to pull out you would only receive £3750, you’d pay a £250 penalty in effect.
This is obviously not an issue with help to buy as there’s no penalty but you don’t ecru the bonus as quickly.