Saving is great, if you can afford to do it and have enough disposable cash to save £18,000 in the the time needed to do it before we don't have enough working years left to pay the mortgage at an affordable rate.

I get you might have your thoughts about the schemes available, but with the greatest respect, unless you have the amount of years experience in the industry that our IFA has, I will probably listen to his advice about what is the best option for us at this point in time....