Current state of play: Gross income: 70+40 = 110k p.a. Civil / public servants. Ages mid 40s. Mortgages / loans Home value = 330k, mortgage 180k 15 years left Investment property = 235k, value 210k+. (Rent 1100 pm. Current market rent 1400). Monthly profit after tax & mgmt fees etc approx 100-150. Loans 28k owed (old consumer consolidation etc.). No credit cards / overdrafts / car loans. 1 car worth 2k. Savings 1000 only for emergencies. 2 children, 10+12. Childcare 500pm approx. Life assurance = mortgage protection & income protection (1 spouse). Budget is as tight as possible & debt is down from 70k over past few years. My question is: we have spent several years clawing our way out of consumer debt & bad decisions (inc apartment) & are finally seeing light. However one thing very worrying is the current property market as we have an interest only mortgage on an apartment. It’s currently in negative equity by approx 25k. 14 years left on mortgage. Paying interest only so as to use the (small) additional income to pay off other debt. Should we sell now & take the hit or hold out ? It’s in a growing area in Dublin. I’m very worried I’ll end up missing the chance to offload the risk. Aim to pay off all debt as soon as possible. Apologies for format I’m on my phone.