We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2025 Mortgage-Free Wannabes
Comments
-
#32 back, adding another £300 to Feb OP to make it £815.63 please. Due to remortgage in May so I’ll probably do most of my OP before that to reduce monthly payment.
MFW 2025 #32 £4,926.23/£3,000; MFW 2024 #32 £4,217.84/£3,000; MFW 2023 #32 £5,238.84/£4,000; MFW 2022 #32 £8,246.43/£8,000; MFW 2021 #32 £8,982.73/£8,000; MFW 2020 #32 £12,000/£6,000
Save £12k in 2025 #48 £12,800/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
3 -
#51 with February OP of £226.53, thank you!
Mortgage: £173,700 Sep 22 £159,400 Sep 25
MF Date: Sep 52 Mar 52
2025 Challenges:
EF #84 | MFW25 #51 | MFiT-T7 #5 | Pay off all your debts by Christmas 2025 #34
3 -
#41
Savings interest received, bringing February’s total to £542.44
Year to date: £1100.67/50003 -
#49 £15 op taking my yearly total to £112.43
Mortgage Amount Outstanding £116,682.20
2025 Mortgage-Free Wannabes #49 £1401.29/£1,250 (104.74%/100.00%)
3 -
#35 with a little extra £12.24 payment this month, yes I have joined ProlificMFWB 2025 #35: £9,306.38 / £10,000
Prolific 2025 £286.65 / £500
MFWB Diary
Mortgage 1 Jan 2025: £63,215.87
Mortgage 1 Feb 2025: £61,655.16
Mortgage 1 Mar 2025: £60,635.55
Mortgage 1 Apr 2025: £59,422.35
Mortgage 1 May 2025: £58,164.35
Mortgage 1 June 2025: £57,055.79
Mortgage 1 July 2025: £55,918.13
Mortgage 1 August 2025: £54,624.07
Mortgage 1 September 20025: £53,722.345 -
@julicorn please put in £100 as a first payment for Feb #622
-
#35 with a £419.61 overpaymentMFWB 2025 #35: £9,306.38 / £10,000
Prolific 2025 £286.65 / £500
MFWB Diary
Mortgage 1 Jan 2025: £63,215.87
Mortgage 1 Feb 2025: £61,655.16
Mortgage 1 Mar 2025: £60,635.55
Mortgage 1 Apr 2025: £59,422.35
Mortgage 1 May 2025: £58,164.35
Mortgage 1 June 2025: £57,055.79
Mortgage 1 July 2025: £55,918.13
Mortgage 1 August 2025: £54,624.07
Mortgage 1 September 20025: £53,722.342 -
Hi Julicorn#46 please add £6160 for Feb.ThanksNote:I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.Mortgage debt start date = 25/10/2024 = 175k (5.44% interest rate, 20 year term)
- Q4/2024 = 139.3k (5.19% interest rate)
- Q1/2025 = 125.3k (interest rate dropped from 5.19% - 4.69%)
- Q2/2025 = 108.9K (interest rate 4.44%)
- Q3/2025 = 92.2k (interest rate dropped from 4.44% to 4.19%)
2 -
here_for_the_tips said:#35 with a £419.61 overpayment1
-
Hi @julicorn. #62 here - please could you add another February payment of £1015.29? This will bring the monthly total to £1115.29. Thank you!2
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards