My Financial Setup

Sailtheworld

I'd be paying more into the pension and trying to get rid of the mortgage asap. It doesn't sound like you got into BTL on purpose and given a single month void would wipe out your annual profit it's not exactly low risk.

The rental looks like head clutter but so does the chasing of cash rates and managing multiple regular savings. Why not close some of those accounts and pay off some of the mortgage. I'd start by closing ISA paying 0.55%, funding circle & the premium bonds. The other accounts offer a premium over the mortgage rate but I'm not sure they warrant the attention you're giving them.

Thrugelmir

Cptralls said:

Property
Bought £207k - Mortgage Remaining £83k - 2% interest, location makes it unsuitable for our family home, renting this out for £850 pm, mortgage is £754 pm.

Is the let profitable after maintenance costs and tax?  On the figures you've supplied may well actually be a cash drain currently. 

Albermarle

It's hard to know what to do, the second house was to be an early retirement plan

Using property as a pension plan seems a popular idea , promoted to some extent by TV programmes like Homes under the Hammer . Also probably because  property seems easier to understand than the mysterious world of investing.

However as already mentioned the 'eggs in in one basket ' approach is rarely a sensible one.