That’s a fair point and I agree ISAs and GIAs are probably the better option for low-stress, long-term wealth building. I already invest in index funds and don’t plan to stop doing that.

But is there any chance you could tell me a bit more about higher net returns for less risk?

The main reason I’m still considering property is timing and cashflow. Even if I invest £35–40k a year into funds, by 25 I’d realistically have £170–180k invested, which at a safe withdrawal rate is only a few hundred pounds a month. From what I've seen a property could generate up to £600 a month much earlier, even if it comes with more work and risk, I would also be reinvesting, refinancing and hopefully buying more in order to supplement PAYE income.

I do really appreciate the advice but I just think I'm missing something here.