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2026 Mortgage-Free Wannabes
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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/£30,0003 -
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 Janoverpayment 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
December1 -
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 #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 -
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!
SMortgage £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#latest1 -
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 £1130/40001 -
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 day1 -
#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/£100001 -
#3 with an additional £500 OP.
Jan total £1236.62Mortgage £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#latest1 -
Of course you can, and number 66 is also still availablebecky170 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!
It's all yours, but let me know if you want a lower number instead. 0
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