Saving for a deposit as a first-time buyer is an exciting time, envisioning the moment you’re handed the keys to your home and how you’ll decorate the bedroom or the kitchen. At the same time, saving for a house can feel daunting and overwhelming.

However, by organising your finances and becoming more familiar with the government initiatives such as the Help to Buy Scheme and the First Home Scheme, getting on the property ladder has become a more achievable goal.