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I peer2peer isa is an idea but risky.
Stock and share isa is probably most ideal but I am personally feel the market is lofty at the moment. Timing is key with the markets.
You should seriously look into lifetime isas. Don't know too much as it's the first year of them. But only heard positive vibes.
wildwest
Finally I am at the point where I can begin saving for mortgage. I have about £5k spread in a couple of places already including a help to buy ISA and I'm able to put away circa 5-700 per month. house prices being what they are that likely going to mean 2/3 years of saving regularly and whacking away anything extra that I can to achieve it.
any thoughts on what I should do with this expanding balance in that time? I have a couple of regular savings accounts, 1 TSB, 1 Halifax and in the process of opening one with first direct too. but I can only put a certain amount into those together per month and the returns (first Direct aside) at 2%, 3% and 5% respectively aren't the most eye popping.
not averse to a bit of risk for good reward. I have been contacted by this Nigerian prince who needs help....
Thoughts?