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2025 Mortgage-Free Wannabes

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Comments

  • Jessy103
    Jessy103 Posts: 2,679 Forumite
    Ninth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    Morning,

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

    Thanks 🙂
    I've been mortgage free once, so let's do it again!
    Starting balance March 26 £191,274.53
  • NotWhereIWantToBe
    NotWhereIWantToBe Posts: 121 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 £27000


    Mortgage end date when taken out : July 2050
    Mortgage current end date : January 2047

    MFW #83 Overpayments for 2026
    Jan £276 Feb £300 March £324 April £323

    Daily interest £3.29
    Percentage owned 49.8%
  • carboot_karaoke
    carboot_karaoke Posts: 660 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 £13,450
    MFW 2026 #31 £9,550 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,400 / £5,000

    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £130 / £365

    Declutter 33 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • jennystarpepper
    jennystarpepper Posts: 838 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 21.01.26 £0

  • Hettyhound
    Hettyhound Posts: 1,194 Forumite
    Seventh 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; May 2026 £13,200 2025 OP £2991/£2,000 2026 £2,413/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £6070/£21,930 (27.67%)
  • V3cash
    V3cash Posts: 445 Forumite
    Ninth Anniversary 100 Posts Name Dropper Photogenic
    edited 1 October 2025 at 3:23PM
    #68 £50 plus another £21.03 making 
    £71.03 October OP payment Pls


    MFW December 2026

    Initial mtg £100,000 Jan 
    overpayment 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
    December





  • 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: 1,391 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 £5,075
    MFW 2026 #27 0/£1000


  • Jemma01
    Jemma01 Posts: 672 Forumite
    Fifth Anniversary 500 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%)... Q1/2026 = PAID (3.94%)
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    #45 £29 OP

    Many thanks @julicorn
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £90,256.60 (10years 1month)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £357.72/£1000
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