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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

2026 Mortgage-Free Wannabes

1246735

Comments

  • Hi Julicorn, can I join as #75 with a target of £1660 for Jan-May only? After that, we should be mortgage-free (gulp!!)

    If that's not possible to do Jan-May, please can you put me down for £4285 for the whole year? Thank you x 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
  • becksta
    becksta Posts: 2,267 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    becksta said:
    Hello!  I'd love to join again for 2026 with a target of £8000 please.  More than happy to keep my existing number - #38.

    Huge thanks!
    Hi again #38 here.  Can I increase my target to £9500 for next year please?  Sorry to be a pain.
    MFW 2022 #88: £6620/£6000
    MFW 2023 #38: £13242.13/£6000
    MFW 2024 #38: £15792.12./£9000
    MFW 2025 #38: £16090.54/£7500
    MFW 2026 #38: £6599.65/£9500

    Thank you to all competition posters
  • V3cash
    V3cash Posts: 445 Forumite
    Ninth Anniversary 100 Posts Name Dropper Photogenic
    Hi, could i have the same number #68 please and my goal is £5000 for 2026
    i won’t be OP. Until July as that’s when my new 10% allowance starts again but happy to be in from start.
    thanks for running this it’s helped keep me motivated ❤️

    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





  • Hi Julicorn 
    Thanks for running the challenge again! I was number #29 but please could I have a lower number, maybe #20 if still free? My target for 2026 is £3000. Thank you :)
    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: £82,680 (Feb 26)
    MFW 2025 #29
    MFW 2026 #20
    Just keep swimming
  • julicorn
    julicorn Posts: 2,703 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi Julicorn, can I join as #75 with a target of £1660 for Jan-May only? After that, we should be mortgage-free (gulp!!)

    If that's not possible to do Jan-May, please can you put me down for £4285 for the whole year? Thank you x HP x 
    Of course you can, I'm not going to stop you from hitting your goal early in the year :) How exciting <3 
  • julicorn
    julicorn Posts: 2,703 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Shal1160 said:
    Hi Julicorn 
    Thanks for running the challenge again! I was number #29 but please could I have a lower number, maybe #20 if still free? My target for 2026 is £3000. Thank you :)
    Number 20 is all yours for 2026 :)
  • RedFraggle
    RedFraggle Posts: 1,522 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi
    Can I keep #87 please. 
    Target £14,400
    Officially in a clique of idiots
  • Hi Julicorn

    Can I keep #16 please.  Hopefully I will be MF in the new year, but as I intend on moving about 24 /36 months, I want to save enough to make sure I'm still MF and that I can cover all our moving costs, plus we are still looking at property abroad so every penny will count.

    Many thanks and have a lovely Christmas.
    MFW - 01.10.21 £63761   01.10.22 £50962   01.10.23 £39979   01.10.24 £27815. 01.01.25. £17538
    01.03.25 £14794.    01.04.25 £12888
    01.05.25. £11805. 12.05.25  £9997   05.06.25  £8898. 
     01.07.25. £7975  01.08.25 £6968 01.09.25 £5956. 01.10.25 £4979
    01.12.25 £2899 21.01.26 £0

  • Hi, I'd like to join in this year and will take what ever number is available and will aim for an OP of £20,000 please
    2026 Mortgage-Free Wannabes #24 £9469.93/£20000 OP
  • Can I register for doing this again (#17) with a very tiny target of £250 for 2026? Have got to save up for some work to be done to the house and have some other debt that I’d like to clear down but want to put a bit towards the mortgage each month next year. Hopefully I might be able to increase my target but I’d prefer to start small/achievable initially.

    B x
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
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.7K 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.