Just one opinion, I'm no expert, but for me my own home is not an asset. I see my own home as a liability as it is not bringing me income but will require on-going and periodic maintenance that costs me money. In contrast, My BTL provides me a bit of money every month, some which I save up for my on-going BTL maintenance fund. However, my home provides me a security that no one can ask me to move out in month's notice. So I like having both. If you are ever going to be in a situation where one of you cannot work full-time ie. due child care, looking after elderly parents BTL can be a nice pa