As of 13 August 2026, AI can only partly choose savings for a UK house deposit.

What to actually do

1. Use a tool built for this

   The route this page recommends

2. Do it yourself

   Second choice

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open GOV.UK and the current product pages for the savings accounts, Lifetime ISA options or other accounts you are considering.
   2. Write down your deposit target, expected purchase timing, existing savings, planned contributions, need for access and any eligibility restrictions.
   3. Copy the current rates, terms, withdrawal rules, balance limits, eligibility conditions and protection information from each provider page into the prompt.
   4. Paste the prompt and your information into an AI tool, then ask it to identify missing facts rather than filling gaps with estimates.
   5. Compare the AI's shortlist against the same current provider pages, checking every rate, condition, withdrawal rule and eligibility statement.
   6. Check any tax or Lifetime ISA point against GOV.UK or HMRC guidance, and ask the provider to confirm anything that remains unclear.
   7. Apply only after the account's current terms match your deposit timetable and access needs.

   Prompt

   Help me compare UK savings options for a house deposit. This is not professional advice. Do not recommend a product until you have identified the trade-offs and checked the information I provide.
   
   My circumstances:
   - Deposit target: [amount]
   - Target purchase date or saving period: [date or period]
   - Amount already saved: [amount]
   - Planned regular saving: [amount and frequency]
   - When I may need to withdraw the money: [details]
   - Whether I need instant access: [yes or no]
   - Whether I may qualify for a Lifetime ISA or another government-supported option: [details or unknown]
   - My tax position relevant to savings interest: [details or unknown]
   - Any provider, account or eligibility restrictions: [details]
   
   I will paste current product information below. Use only the information supplied or clearly labelled official UK sources. Do not invent rates, bonuses, limits, tax treatment, eligibility rules or dates. Separate confirmed facts from assumptions and flag anything that needs checking with HMRC, GOV.UK or the provider.
   
   For each option, compare the interest rate or return, access restrictions, withdrawal penalties, balance limits, eligibility, protection information, application requirements and any conditions that could affect a house deposit. Explain which options fit my circumstances, which do not, and why. Give me a short ranked shortlist only where the evidence supports it, followed by a checklist of facts I must verify on the provider's current terms before applying.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.

3. Hand it to a person

   The distant third

   A person who owns the outcome does this end to end, worth it when the failure is dear.