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2025 Mortgage-Free Wannabes
Comments
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Hi @julicorn, could I join for this year with an annual target of £6,000, please? Ambitious for us but I'm determined to do it! I don't mind what number I am.
First overpayment made of £231. Thank you!
Mortgage: £349,995.13 as at beginning of January 2026
Daily interest at beginning of January 2026: £34.930 -
We've just moved home and now have £188,714 on our new mortgage, looking to sign up to keep me motivated with overpayments. Please can I join the list with a target of £6000 for the year.Mortgage Start - £188,714 | Overpayments Made - £01
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#61 £100 overpayment made today.
Thanks, PinkChallenges
NSD - January - 2/10
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target May 2026, current mortgage balance - £29,557.64
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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Hi
renewal is ready so I have as planned paid off 8k off the balance, this has reduced off term by 3 years,
Will Now return to a much more realistic monthly overpayment but aim for the full 10 each year.
#6 Jan £8,000
Challenges
MFW 2025 #6 - 14871.56/14,000
Completed Challenges
MFW 2024 #35 - 9,000/9,000
Pay off all debts by 2023 - #18 8,000 / 8,0001 -
😂😂😂 I was eager 🤩julicorn said:
You definitely win some sort of award for the earliest new year overpayment I remember seeing!MFWannabe said:Kicking off the New year with an overpayment 😁#50 - Jan - £57
MFW 2026 #50: £3,583.49/£25,00007/03/25: Mortgage: £67,000.00
Mortgage:
02/01/26: £60,223.17
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0002 -
Congratulations on your new home! You've got #25 for this year's challengeOwen1991 said:We've just moved home and now have £188,714 on our new mortgage, looking to sign up to keep me motivated with overpayments. Please can I join the list with a target of £6000 for the year.
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#15 checking in with my first OP of 2025, £128
Thanks Julicorn- Original mortgage end date: March 2041
- Current mortgage end date: Dec 2032
- MFW 2025 #15 1628.00/ £2,400 /// MFW 2024 #15 £1,608.85/ £2500 /// MFW 2023 #15 £8,617.84/ £10,000 /// 2022 #15 £7,315.24/ £7250 /// MFW 2021 #15 £8,530.07/ £8500
- Daily interest is currently £3.75
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#80
First Op of year - £1000
Getting a big one in now before the bills start rolling !June 2017 - £295k mortgage/htb
June 2020 - £270k mortgage/htb
Dec 2021 - £228k mortgage
Dec 2022 - £195k mortgage
Dec 2023 - £162.5k mortgage
Dec 2024 - £140k mortgage
Dec 2025 - Target - £130k mortgage2
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