We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
2025 Mortgage-Free Wannabes
Comments
-
Small overpayments mainly from Sprive voucher cashback
#06
June 42.02
Ytd 14,621.56Challenges
MFW 2026 #6 - 975/2,500
Completed Challenges
MFW 2025 #6 - 14,871.56/14,000
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 December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1 -
#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: £16090.54/£7500
MFW 2026 #38: £6599.65/£9500
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: £82,680 (Feb 26)
MFW 2025 #29
MFW 2026 #20
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.
Current Balance £10,750
MFW 2026 #31 £12,250 / £17,000 OP
MFIT - T7
Emergency Fund £4,410 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £130 / £365
Declutter 37 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85
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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.2K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards