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!

2025 Mortgage-Free Wannabes

1…8182848687…95

Comments

  • Hettyhound
    Hettyhound Posts: 1,142 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    #21 with another November overpayment of £100 so far a total of £230 this month.  Thanks Julicorn 
    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 £16,343 2025 OP £2991/£2,000 2026 £110/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5587/£21,930 (25.47%)
  • carboot_karaoke
    carboot_karaoke Posts: 520 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    Morning all

    #31 with our first November OP £2,300
    YTD £35,700

    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


  • Shal1160
    Shal1160 Posts: 68 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    Happy November! #29 checking in with an o/p of £103.13 for this month. Thank you Julicorn and everyone for keeping me motivated :smile:
    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 swimming
  • NotWhereIWantToBe
    NotWhereIWantToBe Posts: 118 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    #83 with an OP of £505 for October please @julicorn.
    Thank you.
    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%
  • MFWannabe
    MFWannabe Posts: 2,515 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    #50 - November overpayment of £103.20

    MFW 2026 #50: £3,583.49/£25,000

    Mortgage:
    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




  • HelenaPinky
    HelenaPinky Posts: 47 Forumite
    Third Anniversary 10 Posts Photogenic Name Dropper
    Jessy103 said:
    Hi,

    No. 12 with a final overpayment of £9,650 for October transferred from savings and that means I am now mortgage free!

    Thank you for doing this challenge and helping me achieve my goals.

    Jessy x
    Well done Jessy for achieving your goal!
    HP x
    Mortgage when saw the MSE light 💡: £85,000 (end date 2045)
    2019: £65,638
    💰 2024 Increased mortgage for house move:  £112,000 (end date 2054)
    Current end date: May 2026

    2025MFW #75
  • Jemma01
    Jemma01 Posts: 515 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Jessy103 said:
    Hi,

    No. 12 with a final overpayment of £9,650 for October transferred from savings and that means I am now mortgage free!

    Thank you for doing this challenge and helping me achieve my goals.

    Jessy x

    Brilliant 👍 well done 
    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 = 42k      (3.94%)
  • julicorn
    julicorn Posts: 2,680 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Jessy103 said:
    Hi,

    No. 12 with a final overpayment of £9,650 for October transferred from savings and that means I am now mortgage free!

    Thank you for doing this challenge and helping me achieve my goals.

    Jessy x
    Big congratulations and well done! That's amazing news! <3
★ ★ ★ 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
  • 353.1K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.2K Work, Benefits & Business
  • 602.3K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K 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