After four years and almost 340,000 bonuses, the government's Help to Buy Isa scheme has now closed to new applicants.
The good news for savers is that it's still possible to get free cash towards your first home, either by saving in an existing Help to Buy Isa or taking out a lifetime Isa.
Here, we explain the options available to first-time buyers looking for a leg-up onto the property ladder.
Nearly 340,000 people have benefited from a government bonus, with the average amount paid standing at £943.
The scheme has been very popular right across the country, with nearly all regions each seeing at least 20,000 bonuses paid.
And amid talk of a surge in applicants ahead of yesterday's deadline, it seems that there's plenty of life left in the Help to Buy Isa yet.
|Region||Number of Help to Buy bonuses paid|
|Yorkshire and Humber||34,192|
Source: HM Treasury. 1 December 2015 - 30 June 2019.
It's now impossible to open a new account, but people with an existing Help to Buy Isa can continue to save up to £200 a month until the scheme closes completely in December 2030.
The alternative is to switch your cash into another government scheme - the lifetime Isa - which also offers a 25% bonus on your savings.
On the plus side, a lifetime Isa allows you to save up to £4,000 a year, compared with just £2,400 a year in a Help to Buy Isa. This opens the possibility of getting a much bigger bonus.
Unfortunately, there are some drawbacks.
First of all, if you want to withdraw money from a lifetime Isa but aren't buying a house, you'll face a 25% penalty. Our research shows that this not only wipes out the bonus, but also takes more than 6% of your savings on top.
Secondly, interest rates are much worse. The market-leading lifetime Isa only offers a rate of 1.4%, compared with the 3% that was available on a Help to Buy Isa.
This means that unless you're looking to save a lump sum or more than £200 a month, you might be better sticking with a Help to Buy Isa.
Ultimately, a 25% bonus on your savings when you come to buy a home is money for nothing, and at a time when first-time buyer finances are stretched, it makes sense to take any boost you can get.
Before opening an account, do think carefully about whether you can definitely ring-fence the money for a house deposit, as those withdrawal penalties can really make a difference.
The closure of the Help to Buy Isa could theoretically boost the lifetime Isa market, which - in all honesty - is yet to get off the ground.
Right now, there are only 14 accounts on the market: five cash Isas and nine stocks and shares Isas, compared with the 24 Help to Buy Isas that were available.
Instant-access accounts tend not to have very attractive interest rates, but by locking your money away for several years in a fixed-rate bond you can get a better deal.
In truth, if you have the discipline to put money aside specifically for a house deposit, none of these options are as attractive as a Help to Buy Isa or lifetime Isa.
It's a tough time to buy your first home, but the truth is that in most areas you don't need a huge deposit to get onto the property ladder.
And with an increasing number of lenders offering terms of 35 years or more, some first-time buyers will find it easier to pass affordability checks without the need for a massive deposit.
This means you can use a 5% deposit and get a mortgage for the remaining 75%.
These deals come with different terms and conditions, but all have an element of risk attached.
That's because guarantor mortgages will always require a parent or family member to lock up savings or use their home as collateral in case you fall behind on your mortgage payments.