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2025 Mortgage-Free Wannabes
Comments
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#57 with an OP for August of £707.37
Thanks.2 -
Happy August MFWs! #29 checking in with an August overpayment of £105.47. 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: £83,770 (Dec 25)
MFW 2025 #29
MFW 2026 #20
Just keep swimming2 -
Hi @julicorn#46 I put in £3550 for August, the extra 50 is because I was determined to bring the total below 100k, really pleased with the milestone 😁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%)
4 -
With this latest round of overpayments, we've passed the £500k hurdle - incredibly well done, everyone!
Our current total is £509,954.39.9 -
Hi @julicorn #83 with a £200 OP for July.
Many thanks.User name should now read NowWhereIWantToBe
Amount overpaid so far £8298 (2022)
Overpayment ready to add to funds when fixed deal runs out July 2027 £25777
Mortgage end date when taken out : July 2050
Mortgage current end date : January 2047
MFW #83 Overpayments for 2025
Jan £304 Feb £346 Mar £298 April £344 May £214 June £200 July £200 Aug £227 Sept £400 Oct £505 Nov £450 Dec £227
Daily interest £3.32
Percentage owned 49.3%2 -
#3 extra OP of £100, bringing August's total to £786.62.
A couple of reduced bills (new deals and energy reduction) means a slight increase to OPs and savings from next month.
SMortgage £39,933
MFW 2022 #35 10,000
MFW 2023 #3 10358.97
MFW 2024 #3 10000
MFW 2025 #3 10000
MFW 2026 1236.62/4100
MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest2 -
Hi Julicorn,
#67 reporting late as usual!
Total OP for July was £330.43
Many Thanks
MFW 2025 Op challenge = number 67
£729/£2000
Little and often, that's the key. IYKYK2 -
Morning all,
#31 With an additional £930 OP for August.
Total for August so far £2,500
YTD £26,400
Many ThanksCurrent 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 Forum2 -
#35 with lift off this month with initial £522.80 OP for August. Thanks Julicorn.MFWB 2025 #35: £11,150.81 / £10,000
MFWB 2026 #35 £0 / £10,000
Prolific 2025 £294.34 / £500
MFWB Diary
Mortgage 1 Jan 2025: £63,215.87
Mortgage 1 Jan 2026: £50,602.602 -
Amazing progress everyone!!
#20 reporting £250 for July, and £250 for August please.2
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