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

1…7576788081…95

Comments

  • IndianaDR
    IndianaDR Posts: 6 Forumite
    First Anniversary Photogenic Name Dropper First Post
    julicorn said:
    IndianaDR said:
    #33 Updating here: Sticking with variable rate. Over paid in March, April. Mortgage balance now at £17k. Will be paying off by end of this month. Thanks @julicorn
    Is there an overpayment you'd like me to log for March and April?
    Yes please. March £10k and April £10. Thanks again
  • Sandyra
    Sandyra Posts: 331 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier
    edited 2 October 2025 at 9:24PM
    #32 here 

    forgot to give August OP of £952.90 and also did an OP of £936.65 for September. X

    MFW 26 #32 £2,686.88/£6,000; MFW 25 #32 £9,594.51/£3,000; MFW 24 #32 £4,217.84/£3,000; MFW 23 #32 £5,238.84/£4,000; MFW 22 #32 £8,246.43/£8,000; MFW 21 #32 £8,982.73/£8,000; MFW 20 #32 £12,000/£6,000

    Save £12k in 2026 #32 £8,625/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000

  • ajmoney
    ajmoney Posts: 6,496 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    No 7 with an OP of £401.07 for September. Thank you julicorn 
    MFW 2026 No. 7 £2414.62/£5000
    MFiT-T7 No. 6 £9233.77/£30,000
  • Pinkpieuni
    Pinkpieuni Posts: 258 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    #61 no overpayment in Sept,lent a relative money to pay stamp duty. 

    Challenges

    NSD - May - 1/10

    1. 2026 Mortgage-Free Wannabes #61 £19,133.06/£29,000, MF target June 2026, current mortgage balance - £9,569.36

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - bal £0- fully paid 

    3.52 Week Envelope Saving Challenge #2  £106/£1,378 -( 1/52)

    4. EF - £842

  • Lauraebrad
    Lauraebrad Posts: 205 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Hi @julicorn a bit of a belated update from #30.  September numbers £310, October £340
    Thanks

    Aiming for mortgage free by September 2030

    Balance 1.1.20 - £69,701.80
    Balance 1.1.21 - £63,699.80
    Balance 1.1.22 - £57,762.80
    Balance 1.1.23 - £53,074.20
    Balance 1.1.24 - £47,902.00
    Balance 1.1.25 - £44,141.20
    Balance 1.1.26 - £40,312.20

    over payments 2026 = £1010/£1,200 /// invested 2026 = £750/£1,800 = TOTAL (YTD) £1,760/£3,000
  • HelenaPinky
    HelenaPinky Posts: 64 Forumite
    Third Anniversary 10 Posts Photogenic Name Dropper
    edited 3 October 2025 at 6:50PM
    No. 75 with £0 OP for September (paying off August hols) and £250 for October, bringing year total to £2357.92 

    Thanks Julicorn
    Mortgage when saw the MSE light 💡: £85,000 (end date 2045) up to £112,000 for house move (end date 2054)
    🍾 1st May 2026: mortgage free! 

    🏡New goal: enjoy spending then save 15,000 for 'forever' home by Dec 2028!

    2026MFW #75
  • MFWannabe
    MFWannabe Posts: 2,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 4 October 2025 at 7:28AM
    #50 Oct overpayment of £173.20

    MFW 2026 #50

    Mortgage:

    04/04/26: £33,500 

    07/03/26: £34,418.15

    16/01/26: £56,794.25
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    Savings: £20,000




  • pawlala
    pawlala Posts: 1,440 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    #22 reporting total overpayments for

    September came to £405.64

    Thanks and have a great weekend everyone!  B
    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
  • soapy50
    soapy50 Posts: 35 Forumite
    Eighth Anniversary 10 Posts Mortgage-free Glee! Name Dropper
    #64  £400 total OP for September
    Thankyou 😁
    MFW 2025 #64: £4350/£5000
    Mortgage January 2025 £31,598
    Mortgage February 2025 £30,519
    Mortgage March 2025 £29,427
    Mortgage April 2025 £28,731
    Mortgage May 2025 £27,351
    Mortgage June 2025 £26393
    Mortgage July 2025 £25,395
    Mortgage August 2025 £24,215
    Mortgage September 2025 £22,606
    Mortgage December 2025 £19,887
    Mortgage January 2026 £0 - officially mortgage free!! 
  • Chili81
    Chili81 Posts: 58 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    Hi. #11 with a Sept OP of £238. Thanks JC!
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture