ive done it

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richierich007
richierich007 Posts: 68 Forumite
in Mortgage-free wannabe
at long last after 28 years with a mortgage my final amount sent off to virgin money a min after midnight soon as my fixed rate was up

i think i will open a beer and have a smile the house now belongs to me feeling chuffed
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  • badmemory
    badmemory Posts: 7,794 Forumite
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    It does feel good doesn't it?
  • bexster1975
    bexster1975 Posts: 1,576 Forumite
    Photogenic First Anniversary First Post Bake Off Boss!
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    Congratulations! :beer:

    Bexster
  • Kittenkirst
    Kittenkirst Posts: 2,563 Forumite
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    How fantastic! Congratulations :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Downshifterella
    Downshifterella Posts: 208 Forumite
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    Amazing! Well done!! Can't wait for that day still a few more years but getting there!! :)
    MF planning for the simple life :beer::j
  • sammy70
    sammy70 Posts: 963 Forumite
    First Anniversary Combo Breaker First Post Mortgage-free Glee!
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    well done! enjoy your new mortgage free life! x
    current official end date of mortgage= 2037-aiming for 2030. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 01/04/24 - £133,477.09. 2024 challenge- get mortgage balance to £115,000 by xmas eve 2024, and a years outgoings in premium bonds again
    Make £13,968.47 in overpayments in 2024,save £15,000 for water system
  • blocpartyfan
    blocpartyfan Posts: 70 Forumite
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    richierich007 wrote: »
    at long last after 28 years with a mortgage my final amount sent off to virgin money a min after midnight soon as my fixed rate was up

    i think i will open a beer and have a smile the house now belongs to me feeling chuffed

    Amazing work richierich!:beer::beer::beer:

    Definitely time for celebration, especially knowing a life long wished for and worked for freedom is now yours :T
    Mortgage when started:
    Jan 2013: £200,999; 2nd Jan 2018: £137,500; 2nd Jan 2019: £119,000; 2nd Jan 2020: £98,800; 22nd May 2020: £81,000; 27th July 2020: £71,500
    Mortgage free day planned for: [STRIKE]25th June 2025 (day before my 40th birthday!)[/STRIKE] 31st December 2021
    [/STRIKE] 31st January 2022
    Mortgage free: 2nd June 2021!!!!!!
  • tootallulah
    tootallulah Posts: 2,197 Forumite
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    Well done!
  • erin_transport
    erin_transport Posts: 964 Forumite
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    Amazing!! Well done! Huge achievement
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • julicorn
    julicorn Posts: 2,281 Forumite
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    Congratulations! Sounds like it's definitely time to celebrate :D
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • richierich007
    richierich007 Posts: 68 Forumite
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    thanks a lot all, looking back 28 years crickey lol im glad im not starting off now with a mortgage, times were very hard when i was young and stupid missing payments etc but got there in the end and a lot wiser

    anyway all good luck its worth it in the end its like wakening up this morning and finding out you won the lottery still on a high today
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