Hi all. Looking for help and opinions with our situation at present. Our primary residence in Dublin has outstanding mortgage of 315k worth in region of 430-450k. Currently on fixed rate of 4.95 till next July and although we have always made full repayments it doesn't leave a lot left over. Current payment is 1754pm. I'm also an accidental landlord with house rented out. Balance of mortgage is 137k with house worth 185-195k. Tracker of 1.75 with 19yrs remaining. I'm fully tax compliant on the rental income but between maintenance and tax and lpt this is costing me approx 2.5-3k a year. We are looking at our options as we also have crèche fees of 1k a month there is very little left over. We are in good position as we have no loans whatsoever and we have a rainy day fund but not much to be honest. Would we be better off to sell the rental property and use cash to reduce our mortgage. Also tracker mortgage is with BOI is there a chance of keeping this if we were to switch to them. Sorry for long post and thanks in advance