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2025 Mortgage-Free Wannabes
Comments
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#20 paid £150 in March. Could you change my target to £1800 please. Thank you
3 -
#57 £600 OP for March. Thanks!3
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#34, with 101.17 for March, please.
Thanks, julicorn!2026 MFW OPs: 0/6000
EF: 6500/10000
Penny challenge: 22.99/668
Holiday fund: 4/30003 -
#68 £289.50 for March please Julicorn
MFW May 2026
£92.80 left to pay from 10%
overpayment allowance, (May 26).
End fix on 2.79% July 27 // MFW AIM May 2026
Mortgage free Aim July 2026!
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
October £55,195
November £54,600, £54,562.
December £54,000
January 2026 £53,4502 -
Hi Julicorn
#70 with an overpayment for March of £158.
Total for the year so far is £816.
Thank you.
CS xMortgage at Jan 2009 (when house was purchased): £75,000. Mortgage at Jan 2017 (when I was able to start overpaying after 7 year relationship from hell ended): £60,000. Mortgage at April 2025: £16,822
2025 MFW #70: £1,974 / £4,000.
Previous Overpayments: 2024: £2,555. 2023: £2,850. 2022: £3,100. 2021: £2,540. 2020: £3,350. 2019: £1,950. 2018: £250. 2017: £500.
Mortgage freedom can’t come soon enough!2 -
Hi fellow MFWs
#29 checking in, things are feeling a bit tighter as I need to change my car very soon and replace some of savings used towards it...March overpayment so far is £44.54.
Julicorn, please could I reduce my target to £1450 for this year, thank you
Mortgage start: Sept 2018 £140,000 (30 years) Sept 2020: £129,131
Sept 2021: £121,000 (remortgaged for 22 years), Sept 2022: £111,009, Sept 2023: £101,700, Sept 2024: £94,405, Sept 2025: £85,470
Current: £83,770 (Dec 25)
MFW 2025 #29
MFW 2026 #20
Just keep swimming2 -
#61 £100 OP today. Total is now £7,424
Challenges
NSD - January - 5/10
1. 2026 Mortgage-Free Wannabes #61 £1,129 /£29,000, MF target May 2026, current mortgage balance - £28,756
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
2 -
#35 here we go for March, £148.02 first overpayment of the month for a £2,428.03 ytd so far. Thank you.MFWB 2025 #35: £11,150.81 / £10,000
MFWB 2026 #35 £0 / £10,000
Prolific 2025 £294.34 / £500
MFWB Diary
Mortgage 1 Jan 2025: £63,215.87
Mortgage 1 Jan 2026: £50,602.602 -
No 54 updating for February and March
February = £92.92
March = £5502 -
Hi, very new to all this, but would like to join the challenge please.Currently considering best options and way forward. Have been overpaying into an Offset mortgage for some years and will continue to do so.
Currently owe 45k and have 20k saved offsetting it. Aiming to increase the Offset pot by overpaying more than required std payment each month. Currently overpaying £266 above std payment.Considering paying lump sum off capital to reduce term and max out Offset savings upto 45k to lessen Interest paid.Anything else I need to tell you?9 is my key number, so anything related to it is good for me, if possible! Thanks 🙏2
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