OK. Based on what you’ve told us, we think you should consider:

A Lifetime ISA

These are tax-free investment accounts which anyone under the age of 40 can open. You get free top-ups from the Government for a first property or retirement. But do read the detail – penalties apply if you take out the money for any other purpose.

We think you might like:

If you decide that you’re not entirely sure about whether you will buy or rent, and the penalties put you off, you can always save into a tax-free ISA instead. You wont get the top-ups but you don’t get the handcuffs either.

DIY Investment Platform

Online trading platforms which offer ISAs and a selection of investment funds and shares. You have said that low charges are a priority. These platforms typically offer low-cost options (some only for larger accounts – so check our Best Buy tables for the specific costs for your portfolio size.)

We think you might like:

5 tips based on your life stage

Sorting out our finances can be overwhelming and it's hard to know where to start.

Click on your top priority below for some helpful ideas on how to tackle this or to learn more.