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Hit your goals with a financial adviser by your side.

Save and invest into market-leading, FSCS-protected accounts with a tap. Multiply is authorised and regulated by the FCA.

**First-time buyer?**

- See what you can buy and when
- Save your deposit with a market-leading Lifetime ISA paying 1.5% interest & cash bonus
- Get your finances mortgage-ready
- Get guidance through each step of the homebuying process
- Find a mortgage deal in a few taps through our partner mortgage adviser

**Interested in investing?**

- Open a low-fee Stocks & Shares ISA to grow your money over the long term
- Invest with confidence in funds that have been hand-picked for you
- Make your first investment with just £10

**How our advice works**

1. Tell us about you. Enter how much you earn, spend, own and owe so we can help you set your targets. Data is encrypted and stored securely.
2. We do the maths. We create your personalised advice to hit your goals in the right way for you.
3. Start making moves. Put your advice into action: open the right accounts with a tap and set up autosaves for the right amounts.

**Available through Multiply:**

- FCA-regulated financial advice
- Lifetime ISA with market-leading 1.5% interest rate
- Easy access savings pot
- Low-fee Stocks & Shares ISA with fund recommendations
- Low-fee General Investment Account with fund recommendations

Our tech takes nearly everything there is to know about money and turns it into impartial advice for anyone who needs it. No more trawling through forums or comparison sites – Multiply shows you everything you ought to be doing with your money.

You’re going to do great, great things, you just need to start.

You can get started for free. We charge £1 a month if you open a Lifetime ISA, Stocks & Shares ISA, or General Investment Account.

As with all investments, your capital is at risk if you choose to invest.

What’s New

Version 2.20.0

You can now transfer your LISA to Unity Mutual to get a market-leading 1.5% interest and an exclusive £20 welcome bonus.

Ratings and Reviews

4.6 out of 5
25 Ratings

25 Ratings

telder_ ,

Best Lifetime ISA out there

Knew I wanted to buy a home and get a mortgage but didn’t know how to go about it. This app answered my questions and now has me saving in a Lifetime ISA with the best interest rate I could find.

Apparently it will help me get a mortgage too but I haven’t got that far yet.

Some other reviews mentioned that it asked for too much information, but how else are they going to give me advice??? I found it reassuring that it was personalised to me.

JTD96 ,

Very responsive team! Lovely app design!!

Had some issues with starting up because I stupidly got the national insurance number wrong but their team was patient and v responsive + even let me have the bonus that expired after I got the correct NI number!

win1008 ,

Go to place for first time homebuyers

Everything you need from the early stages of figuring out what you can buy all the way to understanding the different stages. Got connected to a market leading lifetime Isa and am using the app to save up for my deposit.

App Privacy

The developer, Multiply AI Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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