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  • 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?

  • I am not an IFA but given your are saving for a mortgage deposit, I would have thought your time horizon is far too short to invest.

    your money, your choice though

  • ^this. I'd stick with what you are doing. Finding the best current accounts / regular savers etc. and, as @wildwest says look at the lifetime ISA

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