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2025 Mortgage-Free Wannabes
Comments
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#38 checking in with a March overpayment of £356.63.
Many thanks
MFW 2022 #88: £6620/£6000
MFW 2023 #38: £13242.13/£6000
MFW 2024 #38: £15792.12./£9000
MFW 2025 #38: £14149.23/£7500
Thank you to all competition posters3 -
I was a little behind on the updates, but have just processed them all - just in time for us to pass the £250k hurdle! Well done everyone
10 -
if you need someone to cover you with the updates, I'm happy to help, I'm quite fascinated by this threats, very motivating, never had getting paid felt so far away to get rid of my mortgage 🤣julicorn said:I was a little behind on the updates, but have just processed them all - just in time for us to pass the £250k hurdle! Well done everyoneNote: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%)
- Q4/2025 = 76.5k (interest rate 4.19%)
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£100 OP made for April for number 7. Many thanks julicornMFW 2025 No. 7 £2331.07/£2700
MFiT-T7 No. 6 £4868.07/£30,0003 -
#41 with my usual £400 payment for April 😀3
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#27 £250 for April please Julicorn xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £3,350/£5,0003 -
#50
First overpayment for April of £103.20
MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
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
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0003 -
Sorry, a late update for my March overpayment which was £500 (#59)
Thanks!3 -
Afternoon everyone,
Congratulations on all the overpayments so far
#31 With an OP £1,600 for April
Current April total £1,600
YTD Total £10,900
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £27,200
MFW 2025 #31 £35,800 / £28,000 OP
MFIT - T7 £35,800 OP
0%CC May 2027- £2,550
0% Loan £694.68
Grocery Challenge
Jan £387.89 / Feb £ 355.67 / Mar £418.63 / Apr £478.37 / May £426.52 / June £376.18 / July £462.54+£103.32 entertaining / Aug £294.38+83.83 entertaining /Sept £328.93 / Oct £381.10
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum3 -
April starts #68 with a teeny
£1.47 to round down the mortgage number.
the overpayments are starting to reduce the interest 😊MFW 2027
£172.42 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 27
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
October £55,195
November £54,600
Barclaycard £5300(0%) Deal ends April 2026.
2nd 0%CC £300 deal ends after paid off)5
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