As you probably realise, I can’t give personal advice.

My general view is that shares certainly look better at the moment. It’d be quite easy to create a dividend paying high yield portfolio with FTSE 100 shares yielding over 6% (search this site for “hyp dividends” for some articles on it). That’s never likely to drop much for more than a year or two, although the capital value is bound to fluctuate, perhaps a lot.

I think that, or even just a FTSE 100 ETF offering around 4%, is a much more attractive buy than a low yield BTL right now, with all the extra hassles the latter entails, but of course you can’t get a mortgage to buy shares!

In general re: property, I’ve got to be honest and say you’d have lost money if you followed my views on house prices in recent years. I thought London was overvalued in 2003 (!), and while it looks like the day of reckoning has finally come, prices would have to fall by 30% or so to get back to those prices in real terms, which is possible but at the high end of even pessimistic expectations.