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The financial specialist, who founded Money Saving Expert, has urged first-time-buyers to open the specialised savings account, even if they aren't looking to purchase a home yet.
The Help to Buy ISA, which sees the government top-up your savings by 25 per cent, was launched at the end of 2015 to help first-time buyers onto the property ladder.
However, it is being dropped from 30th November in favour of the Lifetime ISA (LISA) which is why the money guru has urged first-time buyers to open an account now by putting in £1 and then adding to it when they're ready.
The maximum you can open an account with is £1,200 and you're limited to putting in £200 a month. While the minimum you must have saved for the government bonus to kick in is £1,400, which will be boosted by £350.
The most the government will give you is £3,000 on savings worth up to £12,000, bringing your total up to an impressive £15,000.
In the MSE newsletter, Martin penned: "If you think you'll need these [the Government top-up] but aren't sure, just open them. You need £1 in a Help To Buy Isa by November 30 or you lose the opportunity."
Adding to the good news, the government will also give up a 25 per cent bonus if you use your LISA to buy a home or for retirement.
Although you can have both ISAs at the same time, you can only use the bonus from one of them towards buying your home.
He continued: "They're a great way to save for older children. If your kids are 16+ for a Help to Buy ISA or 18+ for a LISA, the bonus means these are a great place to give them money to save in, if you have it."
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