Help-to- buy Isas will be available for first-time buyers saving to buy a home.

I have a help-to- buy Isa and so does my brother.

The Help to Buy Isa was introduced last year to help people save for a deposit.

You can't pay into a help-to- buy Isa and a normal cash Isa at the same time.

For most people, this is more generous than the Help to Buy Isa (see below).

The age restrictions aren't as bad as the Lifetime Isa, with anyone aged over 16 able to open a help-to- buy Isa.

A help-to- buy Isa has to be opened by the individual themselves -you can't open one on behalf of someone else.

Yes, you can save into a Help to Buy Isa and a Lisa at the same time, subject to the annual limits.

Separate figures for help-to- buy Isas were not published, but it is understood that close to half a million have been opened so far.

If you plan to buy a home with someone else who is also a first-time buyer, they can open their own help-to- buy Isa.

I wanted to ask whether I would be able to use my help-to- buy Isa if I don't live in the property with my brother?

Is it better to keep my cash in a normal savings account or should I move to a lifetime Isa or a help-to- buy Isa?

This is more generous than the Help to Buy Isa, which is limited to £250,000 outside London, but £450,000 in the capital.