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2025 Mortgage-Free Wannabes
Comments
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Small overpayments mainly from Sprive voucher cashback
#06
June 42.02
Ytd 14,621.56Challenges
MFW 2025 #6 - 14871.56/14,000
Completed Challenges
MFW 2024 #35 - 9,000/9,000
Pay off all debts by 2023 - #18 8,000 / 8,0001 -
Sorry to be a pain @julicorn I have miscalculated my OP allowance so my target should actually be £13,500 , could this be amended please when you are updating spreadsheet, many thanks, you are a ⭐️
🤩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)1 -
#38 here with a belated May update of a total overpayment for the month of £479.93
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 posters1 -
Happy June to you all! #29 checking in with £137.20 overpayment for June. Thank you Julicorn!
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: £84,900 (Oct 25)
MFW 2025 #29
Just keep swimming1 -
Would you be able to check the spreadsheet for me when you get the chance? I've got your year total as something slightly different (just £50 off), so just want to make sure I've logged everything correctlypowerspowers said:
Sorry Julicorn I don’t know what I’m talking about! £400 in June (£250 regular OP +£150) takes me to £1700 so farpowerspowers said:#27 with £200 for June please Julicorn
i think I’m on £1500 - I get a wee bit confused cause I schedule the payments when I get paid but record them in the next month! 0 -
Some great updates coming in over the last week, well done everyone!
The total now stands at £376,118.20, we're moving swiftly towards the £400k hurdle 4 -
Wow, congratulations @shALLax 🎊 How do you feel?ShALLaX said:Hello!
#26 reporting in with a final overpayment for June of £48,441.66 bringing me to my target of £55,450.
That's the mortgage paid off, then!
Thanks for running this @julicorn! Maybe I'll be back for a third time if I get another mortgage.
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 Forum2 -
Well done and massive congratulations!ShALLaX said:Hello!
#26 reporting in with a final overpayment for June of £48,441.66 bringing me to my target of £55,450.
That's the mortgage paid off, then!
Thanks for running this @julicorn! Maybe I'll be back for a third time if I get another mortgage.
(you also answered my 'when are we going to hit £400k' question
) 2 -
well done that's fantastic news. Fingers crossed I will join you in the mortgage free club by mid to end of 2026!ShALLaX said:Hello!
#26 reporting in with a final overpayment for June of £48,441.66 bringing me to my target of £55,450.
That's the mortgage paid off, then!
Thanks for running this @julicorn! Maybe I'll be back for a third time if I get another mortgage.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
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