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2026 Mortgage-Free Wannabes
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Welcome! You've got number 27 for this yearAgathaSquirrel said:Can I join please. I’m new so any number is fine. Aiming for £7000 overpayment this year.
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#26 with an OP of £80 😄💖Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/241 -
Number #24 kicking off 2026 with an OP of 368.82 please.
2026 Mortgage-Free Wannabes #24 £9469.93/£20000 OP1 -
Would love to be in again, number 35 still free? £10k target please.MFWB 2025 #35: £11,150.81 / £10,000
MFWB 2026 #35 £2,984.79 / £10,000
Prolific 2025 £294.34 / £500
MFWB Diary
Mortgage 1 Jan 2025: £63,215.87
Mortgage 1 Jan 2026: £50,602.60
Mortgage 1 Feb 2026: £49,446.55
Mortgage 1 Mar 2026: £48,602.73
Mortgage 1 Apr 2026: £47,817.681 -
Quick question please. I am not actually overpaying my mortgage at the moment. I am paying into an ISA so that when I re mortgage in June I can pay a chunk off. My ISA interest rate is higher than my current mortgage interest rate. I will pay into my ISA at the end of the month. Do I count this in my monthly totals or wait until I actually overpay my mortgage in June? After June I will be overpaying the mortgage monthly1
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#50 with another overpayment of £216 for Jan
Total for Jan now £583.49MFW 2026 #5007/03/25: Mortgage: £67,000.00
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
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0000 -
I would wait until you actually overpay the mortgage 😁judi24 said:Quick question please. I am not actually overpaying my mortgage at the moment. I am paying into an ISA so that when I re mortgage in June I can pay a chunk off. My ISA interest rate is higher than my current mortgage interest rate. I will pay into my ISA at the end of the month. Do I count this in my monthly totals or wait until I actually overpay my mortgage in June? After June I will be overpaying the mortgage monthlyMFW 2026 #5007/03/25: Mortgage: £67,000.00
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
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0000 -
If it helps, I don't overpay, but put my contributions aside in an ISA as well, to pay off in 5 years or so. I just participate with that info.judi24 said:Quick question please. I am not actually overpaying my mortgage at the moment. I am paying into an ISA so that when I re mortgage in June I can pay a chunk off. My ISA interest rate is higher than my current mortgage interest rate. I will pay into my ISA at the end of the month. Do I count this in my monthly totals or wait until I actually overpay my mortgage in June? After June I will be overpaying the mortgage monthly2026 MFW OPs: 0/6000
EF: 6500/10000
Penny challenge: 79/668
Holiday fund: 25/30002 -
I’ve bitten the bullet and transferred money from savings to pay a bigger overpayment off mortgage
#50 Overpayment of £3000
Making a total overpayment of £3,583.49 for January 😁
Will update my signature one mortgage balance has updated 👍MFW 2026 #5007/03/25: Mortgage: £67,000.00
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
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0002
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