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2026 Mortgage-Free Wannabes
Comments
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🏡Mortgage July 2019 - £240,000
💫Term Remaining (Without Overpayments) - 22y 9m🏡Mortgage Now - £178,100
💫Term Remaining (With Overpayments) - 19y 7m
🗓️235/360 Monthly Payments Remaining
💷MFW 2026 #4 - £6732.24/£7000
💰EF - £8428/£100001 -
#11 with sept OP of £266. Thanks JC!
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#50
September overpayment of £149.62
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 -
Hi, number 105 here with my overpayment for September 2026 of £9954.62
This is my final overpayment as by a miracle I have managed to pay my mortgage off in full with this payment. Can't believe I am mortgage free, thank you for this challenge as it has helped me keep this to the front of mind and determined to get it done!
Good luck to everyone on the challenge, it is well worth the hard work, have unbelievably managed to overpay the mortgage to clear it 8 and a half years early and saved 1000's in interest!
MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..4 -
What incredible news, congratulations! Very well done, I hope you get to celebrate <3
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#32 August OP of £871.28; thanks for managing.
MFW 26 #32 £7,968.31/£6,000; MFW 25 #32 £9,594.51/£3,000; MFW 24 #32 £4,217.84/£3,000; MFW 23 #32 £5,238.84/£4,000; MFW 22 #32 £8,246.43/£8,000; MFW 21 #32 £8,982.73/£8,000; MFW 20 #32 £12,000/£6,000
Save £12k in 2026 #32 £17,125/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
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Many thanks Julicorn. I certainly will be once it sinks in that it is finally done!
MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..1 -
number 21 with a September overpayment of £150. 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: £656.92; SPC 20: ?
MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £9,887 2025 OP £2991/£2,000 2026 £4,430/£5,500
MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)1 -
Number 24 with a total of £1714.37 for September bringing ytd to £22362.95 - thanks @julicorn
2026 Mortgage-Free Wannabes #24 £20648.58/£32063 OP (Original target £20000 met)1 -
#67 with a total OP in August of £152.21
Thanks Julicorn
MFW 2026 OP Challenge Target £4000
January = £277.71
February = £239.63
March = £347.00
£864.34/£4000
Little and often, that's the key. IYKYK1
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