Housing

I went with a lifetime isa, money can only be withdrawn for retirement or buying a house( up to 450k) you can put 4K in it a year and get an additional 25% from the government put in (like the old help to buy isas) you need to have it open for a year to get the government % 😊

I'd google Martin Lewis's advice but a lifetime isa is probably the best option x

Could look into a mortgage broker. They will find you the best rate on the market at that time.

We got lifetime isa set up for one of future plans. Think interest good. Also look at help to save account, we set this up also as you get 50% of what you put in back from government so every £50 you put in is £100 total, you can only put in fifty a month but it's worth something just for the matched interest.

Interest rates change all the time, it also depends how long you want to save for and how much. RBS do a good digital saver account which pays interest every month but its max £150 a month. Other option is a fixed ISA where you pay in for a year/5 years but cant withdraw the money. Worth browsing different banks. I’m pretty sure the government saving scheme comes with conditions so I’d research first.