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2026 Mortgage-Free Wannabes
Comments
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35 is all yourshere_for_the_tips said:Would love to be in again, number 35 still free? £10k target please.
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You can do either, just don't double count ideallyjudi24 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 monthly Lots of us are counting the money we're saving towards paying down the mortgage in the future.
Edited to add: Whatever helps to keep you motivated, really!0 -
Hi Julicorn, slow to the party but can I have #27 again? Target is £600 hoping to up it when T gets a new job 🤞🤞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 #29 £200 /£10000 -
Hi
Having lurked and read this board regularly in 2025 I would love to join please, my target is £10000. Thanks1 -
#75 first OP of £375, which brings my yearly total OP so far to......£375! HP xMortgage 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 #751 -
Hi @julicorn can I join again please and keep #83 with a target of £2400.
Many thanks.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 £27800
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 May £400 June £400
Daily interest £3.25
Percentage owned 50.3%1 -
Good morning, #61, £1,129 overpayment made. Thank you @julicorn
Challenges
NSD - July - xx/10
1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0. mortgage @ Jan 2025 - £75,600
2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k
3. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
4.52 Week Envelope Saving Challenge #2 £689/£1,378 -( 26/52)
5. EF - £1,742
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Hi there, 27 has been taken but you can have number 29 insteadpowerspowers said:Hi Julicorn, slow to the party but can I have #27 again? Target is £600 hoping to up it when T gets a new job 🤞🤞 Best of luck for the job hunt! 0 -
Welcome to the challenge! You've got number 33missmoneywatch said:Hi
Having lurked and read this board regularly in 2025 I would love to join please, my target is £10000. Thanks 1 -
#4 with an overpayment of £28.65 please @julicorn (wanted to bring my mortgage down to an even number!)
total for January is - £628.65.Thank you.🏡Mortgage July 2019 - £240,000
💫Term Remaining (Without Overpayments) - 23yrs🏡Mortgage Now - £181,393.84
💫Term Remaining (With Overpayments) - 20yrs 1Month
🗓️241/360 Monthly Payments Remaining
💷MFW 2026 #4 - £4944.07/£7000
💰EF - £7314/£100001
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