The Help-to-Buy ISA has departed, though you can still pay in if you already had one. But is the Lifetime ISA -or LISA as it is commonly known – really a good alternative for first-time house-buyers? You need to seek independent financial advice before investing. At the beginning of December last year, the Help-to-Buy ISA was withdrawn for new investments. Its disappearance means that the LISA is now the only type of ISA that can offer incentives for those saving for their first home. Anyone who had actually started a Help-to-Buy ISA before 1 December 2019 can continue to contribute up to £200 a month and has until 1 December 2030 to claim their Help-to-Buy bonus….