With no interest rates it’s hardly worth putting cash in a bank account at the moment. Anything with decent rate like a bond is risky. Maybe lump as much into an isa as possible, maybe in 10 years the rates will have gone back to 5% and you won’t pay much tax either. If you can save a lot quickly all good but if not houses could potentially go up 10 k a year so you might be treading water so to speak....