Got a Help to Buy ISA sitting in your banking app? In 2026, that little account might quietly cost you thousands. The £250k property cap now rules out most first homes outside London — meaning the government bonus you were promised may never reach your solicitor. I sat down with Stephen, an NHS professional buying in Poole at £330k, and spotted the exact rule that was about to lose him a fortune. Here's the detailed walkthrough — and the LISA strategy that fixes it before you complete.

What separates NHS staff who build wealth from those who don't? Four mindsets. Embrace frugality. Master delayed gratification. Think long-term. Stop going it alone. None of this requires a big salary. It just requires a decision and simple actions from you.

Discover exactly how much NHS healthcare professionals need to invest monthly to reach £250K, £1M or more by age 65 — assuming a 7% annual return. Whether you're a nurse, doctor, physio or allied health professional, starting early is the single biggest advantage you have. Learn how a Stocks and Shares ISA and global index fund can build long-term wealth alongside your NHS career. Free financial health assessment available.