To Whoever,

I would like financial advice with regards to my current circumstances.

I'm 32 years old and earn £38,000 before tax. I have £2,000 of savings in cash and have just paid off my mortgage on a property which cost £110,000 at the time of purchase, during the peak of the property market.

I have a 14 year old car and have focused over the past few years on paying off my mortgage, which has absorbed most of the money.

I am in a company pension scheme to which I pay 3% of my salary, the compant matches this. I have also kept a private pension from a time when I worked as a contractor, to which I pay £80 per month.

I am now in a position to build up money and can save around £1500 a month, max.

I have thought about buying a second property, as I assume I could apply fot a first time buyer mortgage, although large deposits are required these days.

Q. What would you advise for future investments??