2026 Mortgage-Free Wannabes

julicorn

https://forums.moneysavingexpert.com/discussion/comment/82081711#Comment_82081711

This challenge is whatever you want it to be - you can use it to track savings for property, actual overpayments, or whatever motivates you! You're more than welcome to keep tracking your overpayments from the autumn onwards, either under your existing number or under a new one, whatever works best for you.

becksta

A very happy #38 here with a July total payment of £909.91. This payment is my final overpayment as I am so pleased to say that I have now paid off my mortage and I am mortgage free!!!

Over the past 10 years I have really saved hard and put any extra money aside to the 'overpayment' fund and it has worked! I have paid off the mortgage approx 9 years earlier than anticipated :-)

Keep going people, every little really does make a difference. Thanks to @julicorn for running the challenge and to everyone for keeping me motivated.

I'd love to keep my number and participate again in 2027 as a savings challenge if thats ok?

julicorn

https://forums.moneysavingexpert.com/discussion/comment/82082095#Comment_82082095

Massive congratulations, that's amazing news! Well done! ❤️ And of course, we'd love to have you take part again next year 😊

carboot_karaoke

Congratulations @becksta

Enjoy the rest of your mortgage free year 😊

AgathaSquirrel

An additional £100 overpayment for #27.

Thank you 🤩

NotWhereIWantToBe

https://forums.moneysavingexpert.com/discussion/comment/82081824#Comment_82081824

Thanks @julicorn I think I will keep tracking it as overpayments because that is essentially what will allow me to move to the more expensive property.

I will update you every month as usual and would like to keep the same #83 please.

I will use my signature to keep track for my own purposes.

Many thanks for all you do on this challange it is very motivating, and to read what everyone else is up to !

Also please can you add £3860 for me for my July OP.

RedFraggle

#87 reporting a £1000 overpayment for July. We can do this!

Thanks @julicorn

Moneyminded

#15 Checking in with another OP for July of £150, making a total for the month of £266.72. Thanks Julicorn.

ajmoney

No 7 with an OP of £1000 for August. Thanks julicorn.

anna42hmr

Sorry I have been MIA for a while, have been catching up reading everyone's. progress, congratulations everyone. has been great to read.

I have not been able to make any OP's since my January payment as did so the 10% limit. waiting for my fix to end the end of this month, indeed this will be my last month with a mortgage as will be making a final overpayment to clear the mortgage on 1 September.