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2026 Mortgage-Free Wannabes

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Comments

  • longestgame
    longestgame Posts: 33 Forumite
    10 Posts First Anniversary Name Dropper

    Hi all, #34 with for March another £0. This time not for bills, thankfully, but to make the most of the ISA allowance before the reset.

    Looking forward to getting started (and off £0) on the mortgage OPs in April. :) Thank you, Julicorn!

    2026 MFW OPs: 0/6000
    EF: 6500/10000
    Penny challenge: 79/668
    Holiday fund: 25/3000
  • smetf
    smetf Posts: 396 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    Hi all,

    No OP here but please can I update my target @julicorn ?

    A new stretch target for #3 of £7384.62

    The first OPs in the month of our new mortgage turn out to not be included in our yearly max OP, this means I can still make another £3100 of OPs before the end of Jan 2027!

    Many thanks,

    S

    Mortgage £35, 147.42
    MFW 2022 #35 10,000
    MFW 2023 #3 10358.97
    MFW 2024 #3 10000
    MFW 2025 #3 10000
    MFW 2026 5384.62/7384.62
    MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest
  • becky170
    becky170 Posts: 886 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper

    Hi #66 here. Here are my overpayments so far for 2026:

    Jan £325

    Feb £505

    March £300

    Had been hoping to overpay more this month but looks like we'll have a couple of heafy bills.

    Mortgage-free wannabe 2026 £1130/4000
  • Mortgage_Minimiser
    Mortgage_Minimiser Posts: 350 Forumite
    Part of the Furniture 100 Posts Name Dropper

    Nmber 9 with March's OP.


    March - £1008.51

    YTD - £1025.53

    Thanks @julicorn

    Mortgage 1 - 01/2/2015 - £243,750 ; Mortgage 01/11/2024 - £132,576.55
    Mortgage 2 - 2019 - £76,600 ; Mortgage 01/10/2024 - £47,763.29
    MFit-T5 - reduce to £140,000 MFiT-T6 - reduce to £110,000

    01/10/2024 Daily Interest - M1 = £18.27 (!!); M2 = £7.41

    Debt at highest point in 24 -£21,344
    Debt 1st November 24 - £16,192.18 24% paid. Focusing on this in earnest!!!
  • here_for_the_tips
    here_for_the_tips Posts: 153 Forumite
    100 Posts First Anniversary Photogenic Name Dropper

    #35 with £673.25 initial March payment. Thank you

    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: £47,817.68
  • Pinkpieuni
    Pinkpieuni Posts: 258 Forumite
    100 Posts First Anniversary Name Dropper Photogenic

    #61, another £135 paid of March. March total is now £535

    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

  • carboot_karaoke
    carboot_karaoke Posts: 663 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper

    Morning all,

    #31 Reporting another £100 OP for March

    March total so far £1600

    YTD £5600

    Current Balance £10,750
    MFW 2026 #31 £12,250 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,410 / £5,000

    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £130 / £365

    Declutter 37 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • V3cash
    V3cash Posts: 445 Forumite
    Ninth Anniversary 100 Posts Name Dropper Photogenic

    hi, £40 for #68 please
    can’t pay too much more until new OP In May.

    Looking forward to being able to add more then.

    MFW December 2026

    Initial mtg £100,000 Jan 
    overpayment allowance, (May 13th 2026).
    End fix rate of 2.79% July 27.

    January 2026 £53,450
    February £52,880
    March. £52,320, £52,300
    April £51,750 £51,740
    May £51,196
    June
    July
    August
    Sep
    Oct
    Nov
    December





  • missmoneywatch
    missmoneywatch Posts: 29 Forumite
    Fourth Anniversary 10 Posts Name Dropper

    #33 dropping a quick £100 overpayment in before it goes elsewhere, monthly total £100, year to date now £871.14 overpaid. Now time to push on to hit the first full thousand overpaid.

  • Bounty123
    Bounty123 Posts: 229 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper
    edited 11 March at 6:50AM

    #23 with an update for March of £114. Total for the year of £1327.

    2026 MFW No:23
    MFiT-T7 12
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