Persona finance help (question could be used with so many flairs!

[Ella Macrow]

Hi all, new here but hoping to lean on some people for advice please.

I have been saving over the past 18 months and have managed to save £20k. I have some of my furniture on finance, a phone contract but nothing major. All in all £180 a month.

My question is, would it be best for me to clear my debts/finance loans or keep these in place and use the savings for a house deposit?

Any help is appreciated, thank you.