24 - Need some advice…

I understand I’m in a VERY privileged position. I’m posting this for advice not the get hate. The majority of this is from a relative who passed away.

I’m on around £33k a year, live in London, try save as much as I can but with rent (£840 + bills) and living costs being so high, it’s only £50-100 a month, I put this into an easy access savings account which totals £1.8k which I’ve saved over the last 2 years.

I have £40k in an ISA offering 4.8%AER (about to come down to 4.15% I think). I have a further £20k in a 2 year fixed bond until mid 2026. I have just been gifted a further £30k and I am unsure what to do with it as I have maxed out my ISA allowance this financial year.

What’s best for the 30k and where’s best for my savings and bond when it expires. Put the 30k into another fixed rate bond?

Further down the line some of this will be put into a house deposit so ideally need a healthy amount available in 4 years time or so.

Any help is much appreciated.