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ive done it

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
17 replies 1.5K views
richierich007richierich007 Forumite
68 Posts
edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
at long last after 28 years with a mortgage my final amount sent off to virgin money a min after midnight soon as my fixed rate was up

i think i will open a beer and have a smile the house now belongs to me feeling chuffed
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Replies

  • badmemorybadmemory Forumite
    4.2K Posts
    Fifth Anniversary 1,000 Posts Name Dropper
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    It does feel good doesn't it?
  • bexster1975bexster1975 Forumite
    1.6K Posts
    Part of the Furniture 1,000 Posts Photogenic Bake Off Boss!
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    Congratulations! :beer:

    Bexster
  • KittenkirstKittenkirst Forumite
    2.4K Posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    How fantastic! Congratulations :)
    Mortgage 1- 10/16 £170.995- Overpayments to 06/21: £13,784 (25% extra!): house sold & equity= £88,563.12 after fees!
    Mortgage 2-Due 06/21: £301,691 (!) Rate 2.2%. Plan to clear it before 30 years!!!!!!
  • DownshifterellaDownshifterella Forumite
    208 Posts
    Third Anniversary 100 Posts
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    Amazing! Well done!! Can't wait for that day still a few more years but getting there!! :)
    MF planning for the simple life :beer::j
  • sammy70sammy70 Forumite
    838 Posts
    Eighth Anniversary 500 Posts Combo Breaker Mortgage-free Glee!
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    well done! enjoy your new mortgage free life! x
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    mortgage balance 09/06/2021- £186,700
    2021 challenge- reduce the mortgage balance by £15,000 - get into the £170s by xmas eve 2021
  • blocpartyfanblocpartyfan Forumite
    68 Posts
    Part of the Furniture 10 Posts
    at long last after 28 years with a mortgage my final amount sent off to virgin money a min after midnight soon as my fixed rate was up

    i think i will open a beer and have a smile the house now belongs to me feeling chuffed

    Amazing work richierich!:beer::beer::beer:

    Definitely time for celebration, especially knowing a life long wished for and worked for freedom is now yours :T
    Mortgage when started:
    Jan 2013: £200,999; 2nd Jan 2018: £137,500; 2nd Jan 2019: £119,000; 2nd Jan 2020: £98,800; 22nd May 2020: £81,000; 27th July 2020: £71,500
    Mortgage free day planned for: [STRIKE]25th June 2025 (day before my 40th birthday!)[/STRIKE] 31st December 2021
    [/STRIKE] 31st January 2022
    Mortgage free: 2nd June 2021!!!!!!
  • tootallulahtootallulah Forumite
    2.2K Posts
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    Well done!
  • erin_transporterin_transport Forumite
    902 Posts
    Part of the Furniture 500 Posts
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    Amazing!! Well done! Huge achievement
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • julicornjulicorn Forumite
    1.4K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
    ✭✭✭
    Congratulations! Sounds like it's definitely time to celebrate :D
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £113,200 (-£21,000 overpayment savings pot)
  • thanks a lot all, looking back 28 years crickey lol im glad im not starting off now with a mortgage, times were very hard when i was young and stupid missing payments etc but got there in the end and a lot wiser

    anyway all good luck its worth it in the end its like wakening up this morning and finding out you won the lottery still on a high today
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