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.
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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 ISA
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