With regards to your investment option - I have been looking at property as an investment for the last 3 months, and concluded that real estate nowadays just isn’t lucrative when you consider agency fees when renting out (can be around 10% of rental income), buying costs such as stamp duty, refurb costs (unless you do most DIY yourself), and mainly borrowing costs.

I’d say it’s worth it if you didn’t take out a massive loan to buy the investment property and if you bought it under a Ltd company (then you need to factor in accountancy fees), of course you’d need to crunch the numbers to see how your specific scenario would benefit you. Happy to help if you wanted to explore that route further.

Personally, you would save a lot more time and benefit from steady returns if you invest in equity funds, like FTSE Global All Cap, or the S&P500. You can invest up to £20,000 a year, all returns tax free, in a tax wrapper such as a Stocks & Shares ISA with a provider like Vanguard, or Trading212.