After your Conveyancer receives the Lifetime ISA money they will hold it on their Client Account. If 90 days after the receipt of the Lifetime ISA money, you have yet to complete or the purchase has fallen through, your Conveyancer completes a declaration and returns the Lifetime ISA in full. In cases where the transaction could still complete after the 90 days, the Conveyancer has 10 working days to inform the Lifetime ISA Manager about this. If the money is not returned in full then a withdrawal charge will be levied.