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2026 Mortgage-Free Wannabes
Comments
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#41 checking in with overpayment of £17.22 for July so far
Many thanks!
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes1 -
Number 21 with another July payment of £168. That makes a July total so far of £768. Thanks Julicorn
SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
MFW #21 Mortgage start Dec 2015 £79,950; September 2026 £10,735 2025 OP £2991/£2,000 2026 £3,881/£5,500
MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)1 -
#15 Checking in with an OP for July so far of £116.72. Thanks, Julicorn.
- Original mortgage end date: March 2041
- Current mortgage end date: Dec 2032
- MFW 2026 #15 1,790.07/2400 /// MFW 2025 #15 1628.00/ £2,400 /// MFW 2024 #15 £1,608.85/ £2500 /// MFW 2023 #15 £8,617.84/ £10,000 /// 2022 #15 £7,315.24/ £7250 /// MFW 2021 #15 £8,530.07/ £8500
- Daily interest is currently £2.87
1 -
#50 overpayment of £999
July total: £1258.62
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: £20,0001 -
#50
Another July overpayment of £2000
July total: £3258.62
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: £20,0001 -
#27 another overpayment for July of £200. Thanks 🤩
2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 £103000
November 2021 £93000
December 2022 £79000
December 2023 £73000
March 2024 £70000
May 2024 £68000
October 2024 £65000
February 2025 £63000
March 2025 £45000, interest of £6.07 per day
November 2025 £41000, interest of £5.62 per day
March 2026 £38000, interest of £5.22 per day
July 2026 mortgage of £34,000 and interest of £4.97 per day1 -
#29 with £150 for July please Julicorn
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 £650 / £10001 -
#34 here. Finally, the first OP of the year for July, for £325.
£0 for all previous months. We spent the first half year's surplus on big car repair costs and some house jobs.
2026 MFW OPs: 2000/6000
2025 MFW OPs: 6000/60001 -
Hi @julicorn , thanks as always for this challenge – it’s so motivating to see the numbers rising! I just checked the spreadsheet and the numbers look a little different to what I have down. Here’s my amounts for this year, updated to include July and August too. Wishing everyone a fruitful month ahead 😊 Keep going – we can do this!
I’m #39:
Jan 472
Feb 670
Mar 798
April 667
May 614
June 600
July 365
Aug 548
total 4734
Debt = £8017/£8017 (100% paid - cleared 26th August 2020) Boiler Fund = £2500/£2500 (100% saved - 26th August 2021)Emergency fund = £5000/£5000 (100% saved - 5th Jan 2025) | MFW Goal 2025: £6429/£3000 | Mortgage = £86,468/£132,469 (35% paid)Goal for 2026:1) MFW £5473/£3600 - achieved!!2 -
@julicorn I have a question .
I am about to spend all my overpayments savings on a different property instead of overpaying on my current one.
How does this affect my participation in this challenge ?
I have a large overpayment for July once I've worked it out but it will all be going towards the new property.
I do intend to overpay on the new property onnce I've done it up but I won't likely move in until the autumn.
Many thanks, #83
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 £32510
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 July £3860 Aug £350 Sept £500
Daily interest £3.23
Percentage owned 50.7%0
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