Investing £20,000?

ChesterDog

I think it's fair to say that the single most important thing that most investors wish they could do differently if they had their time again is to have started earlier.

So very well done on having built yourself a nice sum of money at an early age, and to be looking at how to invest it for the future. Above all, time is the key to success in investment.

I agree with everything that has been said here - property looks like a poor choice - but you will make a better choice, and good luck to you.

TheShape

I would have thought that anyone wanting to buy their own property anywhere in the next 10 years or so would get the best possible return by using a HTB ISA and then Lifetime ISA. The government bonus payment makes it very worthwhile.

If you bought another property now you'd be tying up money in another property and you'd lose eligibility for the HTB ISA and LISA.