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2025 Mortgage-Free Wannabes
Comments
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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 😊🥳🥳🥳🥳2025-26 MFW Target #68 £13,500
£378.07 left to pay from 10% overpayment allowance, (July26).
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
house improvement/holiday £2500/5000
Barclaycard £5800 (0%) Deal ends April 20262 -
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 = 98.5k (interest rate dropped from 4.44% to 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%)
5 -
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 = £1,390/£1,500 /// invested 2025 = £900/£1,500 = TOTAL (YTD) £2,290/£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 -
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 £36,600
MFW 2025 #31 £26,400 / £28,000 OP
MFIT - T7 £26,400 OP
0%CC May 2027- £2,400
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 /
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 -
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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