Should I keep my cash in a savings account or a lifetime Isa?

I’m thinking about buying a property, but I’m worried I’ll face penalties if I decide against it Q I’m originally from Denmark, but moved here five years ago to do my degree. I’ve now finished studying and have started my first full-time job in London. As I’m only in my early twenties it’ll probably be some years before I’ll need a mortgage but I would like to plan ahead.I’m in the lucky position that I already have a savings of the equivalen