The ring-fence structure makes a distinction between the bits of banking that need saving (deposit-taking banks, payment systems and the like) and the bits that do not (bonus-gorging investment bankers).
Around 59% of respondents said saving for a deposit was a barrier to buying a property in December, down from 62% in September and 64% in December 2011.
Many in this age group could be saving for a deposit on a home, whereas first-time buyers in the 25-to-34 age bracket could explain why that age group saw the smallest rise in take-up (24%).
Many of us have short-term financial goals, like saving for a significant vacation in three years, or putting a deposit on a home in the next two years.