Taking those first steps on the property ladder is becoming more difficult for many - so it's never too early to start putting some cash aside.
Finance guru Martin Lewis is advising anyone with notions of entering the property market to start planning ahead.
He is urging all future first-time buyers to open a Help to Buy ISA before the end of November, when no more new applications will be accepted.
You can even invest as little as £1 to get started, the Manchester Evening News reports.
A Help to Buy ISA sees the government top-up what you put in by 25 per cent - so that £1,000 becomes £1,250.
These particular ISA's will not be able to be applied for after November 30, 2019, and instead will be replaced by the Lifetime Isa (LISA) which still has a 25% boost from the state but, according to Martin, its other terms differ.
This includes needing to be between the ages of 18-39 to open one whereas an H2B Isa is simply 16+.
So by setting one up now, you'll be able to save for a new home up until 2029.
Writing in his Money Saving Expert newsletter, Martin said: "If you think you'll need these [the Government top-up] but aren't sure, just open them.
"You need £1 in a Help To Buy Isa by November 30 or you lose the opportunity."
The maximum amount you can open a H2B Isa is £1,200 and the minimum you must have saved to get the Government boost is £1,400.
Martin does advise that if you are 18-39 and don't plan on buying in the next year, a LISA may be a better option but if you're older and are in a more urgent need to buy, a H2B ISA is the safer option.
* For more information on what Martin is recommending, you can visit the Money Saving Expert website here .
