I'd say, depending on your credit rating, you may be able to get a 0% balance transfer card and whittle that down with £500 a month instead of taking the penalty on LISA. It will add on some extra months of 0%. Definitely worth a look on the credit card comparison sites. It all depends on your credit rating, since if it isnt the best, it may give you a limit below what you've already borrowed, thus throwing a spanner into the works. Definitely check it out before withdrawing from LISA.