Onwards to freedom!

SuperSecretSquirrel

Last ever £828 monthly mortgage payment has gone out this morning

A £1,400 fee free OP is pencilled in for new year's day, and the resulting automatic recalculation will drop our monthly repayments to around £260pm, which is pretty great in itself from a cashflow perspective

Soon after, we'll almost certainly be raiding the savings, stumping up the ERCs, and paying it off in full :j

Karmacat

OMG, that's amazing! Your hard work is really, really paying off!

SuperSecretSquirrel

Thanks KC

michelle09

Wow, that's wonderful. You are so nearly there!

greent

Wow! Well done, SSS! - hopefully we'll see you as one of the first people in 2018 posting on the 'No Longer MFW' thread

SuperSecretSquirrel

Thanks michelle and greent I would love to get in early on that thread

SuperSecretSquirrel

My credit score increased from 611 to 661 this month. It has been business as usual (standard mortgage repayment, minimum repayments on stooze cards) apart from the fact that the mule card has been closed and removed.

I now have a £53,100 total credit limit, 74% used. Last month it was a £61,500 credit limit, 64% used. I had previously wondered if closing the mule card would have a positive (due to reduced credit available) or negative (due to increased proportion of credit available used) effect on my score. All other things being equal, it looks like it had a positive effect

Christmas soon, can't wait! We have everything ready and can relax for the next three days (it was the last day at work for the year yesterday ). Looking forward to seeing LO1s enjoyment on the big day, and LO2s sheer puzzlement as to what on earth is going on! :rotfl:

Merry Christmas everyone! :xmassmile:

Kittenkirst

Merry Christmas SSS- can’t believe you are so close to being Mortgage free- I’m so excited for you

greent

Have a great Christmas with your family
x

Karmacat

It's been great reading your analyses over the year - hope you have a lovely time over Christmas and the New Year