The goal post to a 20% deposit shifts every time house prices do. It can be disheartening for anyone who has been trying to save a deposit.

We all need it, crave it, and sacrifice the very freedom we love, to earn it. In the modern world it has become central to everything we do.

Grab a cup of tea and buckle up. This is a heavy one! I am personally not a fan of this ‘home keeper’ scheme and it doesn’t look like it...