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Rising house prices have put home ownership beyond the reach of many young adults. But the government has various schemes to help those desperate to get on the property ladder.

In today's Money Box Live, we'll be looking at Help To Buy ISAS, which can help you save the cash for your first home - and earns you free money from the Treasury. We'll also discuss the pros and cons of Help to Buy equity loans - which make it easier for those with a small deposit to become a homeowner. But it also means you could be paying expensive interest rates on that loan for many years - on top of your mortgage repayments.

So if you're a first-time buyer or a homeowner with a desire to move, how can the various government schemes help you to own a new home?

If you, your family or friends are considering any of these options, this is your chance to share your experiences and have your questions answered by our panellists.

Do join in the conversation by calling 03 700 100 444. Lines are open from 1300-1530 on Wednesday 10 October. Or email moneybox@bbc.co.uk

Guests:
Paula Higgins, Founder and CEO, HomeOwners Alliance
Iona Bain, Founder, Young Money blog
Gareth Shaw, Which? money expert
Steve Turner, Home Builders Federation

Presenter: Louise Cooper
Producer: Sally Abrahams