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Are bank bonds equal loosing money?

I'm saving some money towards mortgage deposit. The plan was to get a nice sum of money first to make sure rates will be lower then my rent.

Right now I have about 40k. I put over 10k on 2 ISA (mine and my wife's) with NatWest and I'm thinking what to do with the rest. Any bound I came across is below inflation. On top of that there is the tax!

Obviously I'm not interested in 5 years bonds. Does it mean it's better to buy a property in a short term then losing my deposit money thanks to inflation?

What bond/investment (up to 2 years) would you recommend to me?

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