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2026 Mortgage-Free Wannabes

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Comments

  • Happy new year all.

    #25 with an op of £100 today.

    Thanks @julicorn
    25
  • ajmoney
    ajmoney Posts: 6,496 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi, Happy New Year everyone. No 7 with an OP of £400 to start the year. Thanks julicorn.
    MFW 2026 No. 7 £2414.62/£5000
    MFiT-T7 No. 6 £9233.77/£30,000
  • V3cash
    V3cash Posts: 445 Forumite
    Ninth Anniversary 100 Posts Name Dropper Photogenic
    edited 2 January at 6:36AM
    Happy new year everyone 🤩
    I can pay a small £16.01 for Jan, no #68
    I still have £92 ish left from last years 10% allowed until May 26.
    Roll on May when i can start making my planned OP’s again.

    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





  • MFWannabe
    MFWannabe Posts: 2,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 2 January at 8:02AM
    Morning
    #50 with the first overpayment of £367.49
    @julicorn can I revise my overpayment figure please to £25,000 
    Have revised plans now interest rate has gone up so much 🙄😱 this mortgage needs to go! 

    MFW 2026 #50

    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
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    Savings: £20,000




  • smetf
    smetf Posts: 396 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Happy New Year everyone.
    First OP of the year made: £736.62
    Partially because our new mortgage has not yet gone through - hopefully will be sorted next week. May need to adjust our OP target as the 10% limit hasn't started just yet!

    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
    Can I join in again? I kind of fell off the wagon with keeping the thread updated last year, although I did continue to make overpayments. Would really like to join again this year if that's ok. I was #66 last year. Target for this year will be £4000 which should be doable. I have already made an overpayment of £325 for Jan  :) Thank you! 
    Mortgage-free wannabe 2026 £1130/4000
  • AgathaSquirrel
    AgathaSquirrel Posts: 363 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Can I join please. I’m new so any number is fine. Aiming for £7000 overpayment this year. 
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    November 2021 mortgage of £93000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgage of £68000
    October 2024 mortgage of £65000
    February 2025 mortgage of £63000
    March 2025 mortgage of £45000 and interest of £6.07 per day
    November 2025 mortgage of £41000 and interest of £5.62 per day
    March 2026 mortgage of £38000 and interest of £5.22 per day
  • Sammie_1985
    Sammie_1985 Posts: 248 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    #4 with a £500 overpayment today. 
    bringing Januarys total to £600 so far. 
    Thanks @julicorn
    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 2Months

    🏡Mortgage Now - £183,867.29
    💫Term Remaining (With Overpayments) - 20yrs 6Months

    🗓️246/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £3358.46/£7000

    💰EF - £6440/£10000


  • smetf
    smetf Posts: 396 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    #3 with an additional £500 OP.
    Jan total £1236.62
    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
  • julicorn
    julicorn Posts: 2,703 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    becky170 said:
    Can I join in again? I kind of fell off the wagon with keeping the thread updated last year, although I did continue to make overpayments. Would really like to join again this year if that's ok. I was #66 last year. Target for this year will be £4000 which should be doable. I have already made an overpayment of £325 for Jan  :) Thank you! 
    Of course you can, and number 66 is also still available :) It's all yours, but let me know if you want a lower number instead. 
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