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2025 Mortgage-Free Wannabes

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Comments

  • Jessy103
    Jessy103 Posts: 2,551 Forumite
    Ninth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    Morning,

    No. 12 with a overpayment of £1,339.73 for September.

    Thanks 🙂
    Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!
  • NotWhereIWantToBe
    NotWhereIWantToBe Posts: 118 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    #83 with an OP for Sept of £400.
    Thanks @julicorn
    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%
  • carboot_karaoke
    carboot_karaoke Posts: 526 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper

    Good afternoon,

    #31 reporting my first October OP of £750.
    YTD £31,000.

    Many Thanks @julicorn  
    Current 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 Forum


  • jennystarpepper
    jennystarpepper Posts: 829 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    16 - £502.43 for September please Julicorn.

    Many thanks
    MFW - 01.10.21 £63761   01.10.22 £50962   01.10.23 £39979   01.10.24 £27815. 01.01.25. £17538
    01.03.25 £14794.    01.04.25 £12888
    01.05.25. £11805. 12.05.25  £9997   05.06.25  £8898. 
     01.07.25. £7975  01.08.25 £6968 01.09.25 £5956. 01.10.25 £4979
    01.12.25 £2899

  • Hettyhound
    Hettyhound Posts: 1,147 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hello number 21 with another September overpayment of £70.  That makes a September total of £184.07.  Thank you!
    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; Jan 2026 £16,119 2025 OP £2991/£2,000 2026 £130/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5811/£21,930 (26.49%)
  • V3cash
    V3cash Posts: 354 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 1 October 2025 at 2:23PM
    #68 £50 plus another £21.03 making 
    £71.03 October OP payment Pls


    MFW May 2026

    £92.80 left to pay from 10% 
    overpayment allowance, (May 26).
    End fix on 2.79% July 27 // MFW AIM May 2026

    Mortgage  free Aim July 2026!
    July 25 £57,000, £56950
    August 25 £56,400
    September £55,850/£55,800
    October £55,195
    November £54,600, £54,562.
    December £54,000
    January 2026 £53,450




  • uzubairu
    uzubairu Posts: 1,209 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Home Insurance Hacker!
    No: 54
    September = £250
  • powerspowers
    powerspowers Posts: 1,376 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    #27 with £250 for October please Julicorn 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £3,600/£5,000


  • Jemma01
    Jemma01 Posts: 516 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Hi Julicorn
    #46. Can you please add 6k for October?
    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%)
  • AuntieL
    AuntieL Posts: 472 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    #45 £29 OP

    Many thanks @julicorn
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    January 2026 NSD Challenge 5/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £92,396.89 (10years 4months)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £44.43/ £1000
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