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2025 Mortgage-Free Wannabes
Comments
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Congratulations that’s amazing going!!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
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.
You must have saved some interest!!!
enjoy your activities/experiences goals 😊🥳🥳🥳🥳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)2 -
well done, that's fantastic news!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
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.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..1 -
Hello
#46, can I please add 5K for April
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%)
- Q4/2025 = 76.5k (interest rate 4.19%)
3 -
#49 £30 op taking my yearly total to £1263.29 which means I've hit my target for the year I'll still continue to overpay as much as I can
Mortgage Amount Outstanding £116,682.20
2025 Mortgage-Free Wannabes #49 £1401.29/£1,250 (104.74%/100.00%)
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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
over payments 2025 = £1,450/£1,500 /// invested 2025 = £1,050/£1,500 = TOTAL (YTD) £2,500/£3,0003 -
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. 🤓4 -
Morning all. #11 checking in with my April OP of £320.
Thanks JC3 -
Congratulations 👏👏👏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
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.
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 Forum1 -
#41 reporting savings interest earned, bringing April’s total to £557.32
YTD = 2197.78/50003 -
That's absolutely incredible, well done and big congratulations!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
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.
We're going to miss you on here, but for good reason of course 
Enjoy your mortgage-free life! 2
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