I am a long time lurker and find myself needing some advice. Age: 36 Spouse’s/Partner's age: 31 Annual gross income from employment or profession: 55k (private sector) Annual gross income of spouse: 52k (public sector) Monthly take-home pay : 5.5k + after AVCs In general are you: Saving approx 500 per month Home: Rough estimate of value of home: 340K Amount outstanding on your mortgage: 142K, 13 years remaining What interest rate are you paying? 2.75 % AIB Other borrowings – none Do you pay off your full credit card balance each month? Yes Savings and investments: around euro 30k cash on deposit in bank, Do you have a pension scheme? Yes,Contribute 7% and employe matches my contribution. Spouse has public pension. Do you own any investment or other property? Yes, 2 bed apartment North Dublin. Rent €1175PM,, Mortgage €670PM (13 years left). Apartment worth about 230K today and remaining mortgage is 84K Ages of children: 1 year old (childminding fees 800/month) Life insurance: yes Question: I am debating whether to sell the investment property and pay off my home mortgage? I am paying a tax bill of just less than 3K which is likely to rise (Once the mortgage interest relief is tapered out over the next 3 years). I have good tenants who maintain the place well and have letting Agent who looks after the property. On the negative side tenants could trash the place or withhold rent, I could be hit for excessive repairs, the rent controls and frequent Government interference. Who knows when the property bubble will burst again and how much my apartment will be worth in the future. Any help making this decision much appreciated.