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2025 Mortgage-Free Wannabes

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Comments

  • V3cash
    V3cash Posts: 354 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    eat_that_frog said:
    Hi @julicorn, please can you put me down as an OP of £40,100, I'm #40. I paid off my mortgage at the end of March and we're now mortgage free  B)

    I've really enjoyed taking part in these yearly MFW challenges for the last nearly 5 years and they've definitely helped me to stay focussed, thanks so much for running them.
    Congratulations that’s amazing going!!
    You must have saved some interest!!!
    enjoy your activities/experiences goals 😊🥳🥳🥳🥳

    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 £53,450




  • anna42hmr
    anna42hmr Posts: 2,899 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    eat_that_frog said:
    Hi @julicorn, please can you put me down as an OP of £40,100, I'm #40. I paid off my mortgage at the end of March and we're now mortgage free  B)

    I've really enjoyed taking part in these yearly MFW challenges for the last nearly 5 years and they've definitely helped me to stay focussed, thanks so much for running them.
    well done, that's fantastic news!
    MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..
  • Jemma01
    Jemma01 Posts: 517 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Hello

    #46, can I please add 5K for April

    Thanks
    I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
    Mortgage debt start date = 11/2024 = 175k (5.19% interest rate, 20 year term)
    • Q4/2024 = 139.3k (5.19% -> 4.94%)
    • Q1/2025 = 125.3k (4.94% -> 4.69%)
    • Q2/2025 = 108.9K(4.69% -> 4.44%)
    • Q3/2025 = 92.2k   (4.44% -> 4.19%)
    • Q4/2025 = 44k      (4.19% -> 3.94%)
    • Q1/2026 = 41k      (3.94%)
  • Lauraebrad
    Lauraebrad Posts: 197 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Hi @julicorn April update from #30. 
    April OPs £240.  YTD £1200
    Thank you :-)

    Aiming for mortgage free by September 2030

    Balance 1.1.20 - £69,701.80
    Balance 1.1.21 - £63,699.80
    Balance 1.1.22 - £57,762.80
    Balance 1.1.23 - £53,074.20
    Balance 1.1.24 - £47,902.00
    Balance 1.1.25 - £44,141.20
    Balance 1.1.26 - £40,312.20

    over payments 2026 = £30/£1,200 /// invested 2026 = £150/£1,800 = TOTAL (YTD) £180/£3,000
  • Sistergold
    Sistergold Posts: 2,146 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh hello all. Thi is #10 with update of £110 for April. Thanks again @julicorn for keeping us updated 🌺
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • Chili81
    Chili81 Posts: 54 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    Morning all.  #11 checking in with my April OP of £320.
    Thanks JC 
  • carboot_karaoke
    carboot_karaoke Posts: 530 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    eat_that_frog said:
    Hi @julicorn, please can you put me down as an OP of £40,100, I'm #40. I paid off my mortgage at the end of March and we're now mortgage free  B)

    I've really enjoyed taking part in these yearly MFW challenges for the last nearly 5 years and they've definitely helped me to stay focussed, thanks so much for running them.
    Congratulations 👏👏👏
    Current Balance £22,000
    MFW 2026 #31 £1000 / £17,000 OP
    MFIT - T7  

    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £20 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • BridgetTheCat
    BridgetTheCat Posts: 233 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    #41 reporting savings interest earned, bringing April’s total to £557.32

    YTD = 2197.78/5000
  • julicorn
    julicorn Posts: 2,680 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    eat_that_frog said:
    Hi @julicorn, please can you put me down as an OP of £40,100, I'm #40. I paid off my mortgage at the end of March and we're now mortgage free  B)

    I've really enjoyed taking part in these yearly MFW challenges for the last nearly 5 years and they've definitely helped me to stay focussed, thanks so much for running them.
    That's absolutely incredible, well done and big congratulations! <3 We're going to miss you on here, but for good reason of course :) Enjoy your mortgage-free life!
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