Last Updated: 12/06/2019
Tags: Property Ladder
And that is exactly what Martin Lewis is advising. The Money Saving Expert is urging all future first-time buyers to open a Help to Buy ISA before the end of November when no new applications can be accepted.
But don't worry if you think you haven't got the money just yet as Martin says just putting £1 in will help you to get started.
A Help to Buy ISA sees the government top-up what you put in by 25% - 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 MSE 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."