Hey,

I'm hoping for advice on what steps I can take to become mortgage free (on a personal level).

Most of my eggs are in the BTL basket.

I have 4x apartments, mortgage-free (average value £120k), that earn ~£2,300pcm. I have 1x house, mortgage-free, that my mother lives in - value ~£250k. I have 1x house, mortgage of ~£100k left - value ~£275k.

My job has me work away from home for ~20 weeks of the year. Going part time means being away for ~10 weeks, on about half wages. Half wages is good for me, so long as I have paid my mortgage off.

Given my work, I'm an high-rate (41%) tax payer, and would remain so if I went part time, so I'm moving the rental properties into a limited company.

I would like to buy a ~£400k property for myself to live in (with an annex or self-catering accommodation for my mother) with no mortgage, so I can then go part-time at work. If the mortgage was small, I wouldn't mind - but I don't want something that needs 10 years to pay off (5 max would be the ideal).

I would also like to retain as much of the property as possible to be absorbed into the Ltd Co. The two houses that are not currently rented out would expect to earn ~£950pcm each.

The in-my-pocket income from the rentals i would hope to be >£1500pcm.

Can anyone tackle the tactics for me cos my head keeps going in circles trying to figure out the best move... whether a bridging loan or what not. The tax issues also just confuse matters but that's kinda minimal anyway.

Any help would be appreciated...