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2026 Mortgage-Free Wannabes

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Comments

  • Jemma01
    Jemma01 Posts: 903 Forumite
    Fifth Anniversary 500 Posts Photogenic Name Dropper
    edited 4 February at 8:06PM

    Hello

    #44, can I please add 11k for February.

    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%)
  • ajmoney
    ajmoney Posts: 6,500 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    No 7 with an OP of £612.62 for February. Thanks julicorn.

    MFW 2026 No. 7 £3214.62/£5000
    MFiT-T7 No. 6 £11244.09/£30,000
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic

    Number 45

    £104 OP for February.

    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
  • HelenaPinky
    HelenaPinky Posts: 68 Forumite
    Fourth Anniversary 10 Posts Mortgage-free Glee! Photogenic
    edited 1 February at 10:15AM

    Happy February everyone! #75, £175 OP for February....I had hoped for more but husband's self employed new venture isn't paying yet so im being sensible and keeping some back. Happy OPing to all, we made it through to the Jan payday! HP x

    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
  • scottishlass
    scottishlass Posts: 1,984 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    Happy February.

    A #24 £1,340.43 OP to start the month please @julicorn - Thank you :)

    2026 Mortgage-Free Wannabes #24 £9469.93/£20000 OP
  • Sammie_1985
    Sammie_1985 Posts: 286 Forumite
    Seventh Anniversary 100 Posts Name Dropper

    #4 with a February overpayment of £600 please @julicorn


    Happy February everyone and good luck with your overpayments this month.

    🏡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/£10000


  • here_for_the_tips
    here_for_the_tips Posts: 155 Forumite
    100 Posts First Anniversary Photogenic Name Dropper

    #35 with a January OP of £1,109.39, will work out the totals later.

    MFWB 2025 #35: £11,150.81 / £10,000
    MFWB 2026 #35 £3,679.88 / £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: £47,817.68
    Mortgage 1 Jun 2026: £46,450.66
  • V3cash
    V3cash Posts: 459 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper

    £14.86 please for February, no 68#
    Getting close to OP. 10%
    can’t wait for May when new OP allowance starts.

    Mind you it’s been handy not Op as much as hubby’s glasses cost £400 this month and then he went down pot hole and needed new tyres too! Then it’s his birthday this month too 😊

    Well done everyone on all the OP’s

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • MFWannabe
    MFWannabe Posts: 2,567 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    #50

    Feb overpayment of £287.33


    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




  • Bounty123
    Bounty123 Posts: 293 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper

    Morning

    #23 reporting in with £114 for February.

    Total so far for 2026 is £1213 (I think).

    Thank you for running the challenge @julicorn.

    Bounty

    2026 MFW No:23
    MFiT-T7 12
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