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Mortgage free in Forever Home :-)
Comments
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Well done on your OPs.
I want to hide from my numbers... I can't OP and make the progress I want to on the house at the same time. Unless I win a decent PB ...3 -
Thanks @f0xh0les, I just knew you'd appreciate that post
Thank you
Huge sympathies on this. I've been just there for quite a while and I have just been 'dribbling' in what I can. It's only in recent months, now that the worst of the current works on the house are done, that I have any significant capacity to OP. I'm really hoping to do quite a bit of OP'ing next year as, theoretically, we are not doing any work on the house. But, we will still need maintenance of various types ... and I need to think about my pension pots as well ...greenbee said:Well done on your OPs.
I want to hide from my numbers... I can't OP and make the progress I want to on the house at the same time. Unless I win a decent PB ...
KK
As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
I shared the mortgage OP and status summary I wrote out above, with Mr KK this evening and it’s given him a bit of a boost to know that ‘we’ve taken 1.5 years off the term’ 😊
He’s talking again about contributing something from the Bedford sale (if it ever goes through … 🤷♀️).
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Well done on the mortgage OPs! Those small but steady progresses are really taking effect and shows you what a little can do.
( @greenbee I am in a similar position in that mortgage debt OPing is on a halt at the minute while I divert to other things, I just have to keep telling myself that it's me making sensible decisions about priorities!)Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
Great mortgage OP’s.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.2 -
Great news KK
love 🐞Declutter 1536/ 2026
books read 11 in 2026
£320 🥳 funpot
🐞change pot £84.92
£20/£5002 -
Having a glass of something nice, and playing with the MSE mortgage overpayment calculator, is a lovely way to spend a festive evening. Honestly it is!!Hmmmm, if I overpay £157 a month it takes 1.5 years off the term .... what happens at £160, which is the magic number that knocks another month off ... ooh £162! what if I do this.... or that..... ohh, that's quite impressive!Ha! can't afford that one! I do actually miss mucking about and playing with it all.Oh well, after I get the builders booked in, and the house is sorted, no doubt Dr F-H will get a job somewhere else and I can start all over again.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******4 -
Great news on the OP's KK. An image of the hare and the tortoise popped into my mind!3
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Fab news!
One of my favourite things to do is play with the mortgage calculator op section on here 🤣.
It's really hard when you want to do the house up, holiday, have a life, make a decent EF and pay down the mortgage too 🤔😅.Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 20/243 -
Thanks @Merlin's_Beard, @beanielou, @ladybird1106, @f0xh0les, @Twolabsandacat and @debtfreewannabe321 😊
My dad’s Christmas present 2026 calendar has just arrived and it looks fabulous 😊🤩 I am delighted.
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.8
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