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Mortgage Free

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By (user no longer on site) OP   
over a year ago

So happy, just wanted to share that this July I'll finally be mortgage free. Worked my bum off for it, two jobs, 50- 60 hours a week and now it's done. No more of that, mostly disposable cash now, let the good times roll!!!

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By *eliWoman
over a year ago

.

That's fantastic Op, you must be over the moon; here's to hoping you have lots of enjoyable experiences with disposable income.

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By *partharmonyCouple
over a year ago

Ruislip

Well done. That's a great achievement!

I went the other way round. I started off debt free with a property and then got married to a financial lunatic so now I have tens of thousands of pounds of debt.

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By (user no longer on site)
over a year ago

Congrats! What will you spend the extra cash on?

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By * Lexi xWoman
over a year ago

stockport

It’s a great feeling isn’t it.

Best feeling ever knowing you own your own home.

Congratulations

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By *uttyjonnMan
over a year ago

SEA

Now rent it out and let it pay for a new life in the sun well that's my plan hehe

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By (user no longer on site) OP   
over a year ago

Thanks all, I'm going to take more holidays and day trips, eat out when I want and go to more gigs. Ironic but now I own the bugger I intend to spend less time in it!

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By *uilder506Man
over a year ago

bognor


"So happy, just wanted to share that this July I'll finally be mortgage free. Worked my bum off for it, two jobs, 50- 60 hours a week and now it's done. No more of that, mostly disposable cash now, let the good times roll!!!"

Well done !!

I’m trying to buy a house myself but getting stoped because Experian have put my dads debts under my name so no one wants to touch me... anyone work for Experian in here ?

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By *tella HeelsTV/TS
over a year ago

west here ford shire

Cancer did same for Me

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By *innie The MinxWoman
over a year ago

Under the Duvet

Hood work

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By *innie The MinxWoman
over a year ago

Under the Duvet


"Hood work "

I obviously meant good work.Im not implying you're a gangster

Or carried out "hits" to pay off the Halifax early

That would be wrong.

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By (user no longer on site)
over a year ago


"So happy, just wanted to share that this July I'll finally be mortgage free. Worked my bum off for it, two jobs, 50- 60 hours a week and now it's done. No more of that, mostly disposable cash now, let the good times roll!!!

Well done !!

I’m trying to buy a house myself but getting stoped because Experian have put my dads debts under my name so no one wants to touch me... anyone work for Experian in here ?"

Did you take them out or they were in your Dad’s name? Do you have the same name?

Did you contact the companies involved ?

You can contact Experian if you think a record is incorrect.

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By (user no longer on site)
over a year ago

Paid ours off last year, when I took early retirement....such a huge burden off your shoulders.

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By (user no longer on site)
over a year ago

Remortgage, have a blast of a holiday and then declare bankruptcy

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By (user no longer on site)
over a year ago

Well done. I was mortgage free at 30 and it felt amazing.

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By (user no longer on site)
over a year ago

Overpayment calculator on Money Saving Expert site. Even just paying a bit more off each month can reduce the time and interest payments.

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By (user no longer on site)
over a year ago

Nice one fella . Great news.

Ive officially got 12 years to go but could pay mine off tomorrow.

Im currently making over payments each month that are more than double what the repayment is required. At my current rate, i will be mortgage free in 4 years.

At 1.25% interest rate im currently locked into, shall i continue with my current repayments for another 4 years or pay it off now?

£38k left to pay off

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By (user no longer on site)
over a year ago

That's great, OP. Well done! Just paid a huge chunk off mine, now into single k figures. Feels good!

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By (user no longer on site)
over a year ago

I shall be mortgage free in 5 yrs as I shall sell the bugger and run off with the cash.

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By (user no longer on site)
over a year ago


"Nice one fella . Great news.

Ive officially got 12 years to go but could pay mine off tomorrow.

Im currently making over payments each month that are more than double what the repayment is required. At my current rate, i will be mortgage free in 4 years.

At 1.25% interest rate im currently locked into, shall i continue with my current repayments for another 4 years or pay it off now?

£38k left to pay off"

Check what the early repayment penalties are. It might be better to keep overpaying. Savings rates are rubbish anyway.

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By (user no longer on site)
over a year ago


"I shall be mortgage free in 5 yrs as I shall sell the bugger and run off with the cash. "

That will be a heavy bag.

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By (user no longer on site)
over a year ago


"I shall be mortgage free in 5 yrs as I shall sell the bugger and run off with the cash.

That will be a heavy bag. "

With 'Swag' written on it, I can fling it over my shoulder

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By *eliWoman
over a year ago

.


"Overpayment calculator on Money Saving Expert site. Even just paying a bit more off each month can reduce the time and interest payments. "

Yep, we just remortgaged and are overpaying as much as we can (avoiding the penalty) to knock our years down as much as possible. Boring but I want to be mortgage free in the next few years/buy a bigger house/move somewhere else. MSE was a great help overall actually.

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By (user no longer on site)
over a year ago

Paid ours off 2 years ago, not sure what happened to the money saved! We seem to be doing a good job of spending on other stuff lol

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By *uilder506Man
over a year ago

bognor


"So happy, just wanted to share that this July I'll finally be mortgage free. Worked my bum off for it, two jobs, 50- 60 hours a week and now it's done. No more of that, mostly disposable cash now, let the good times roll!!!

Well done !!

I’m trying to buy a house myself but getting stoped because Experian have put my dads debts under my name so no one wants to

touch me... anyone work for Experian in here ?

Did you take them out or they were in your Dad’s name? Do you have the same name?

Did you contact the companies involved ?

You can contact Experian if you think a record is incorrect. "

No debts absolutely nothing to do with me .

Different first name but same for middle and last name.

Yep contacted them and they removed it from there system but that doesn’t mean it will be removed from Experian apparently. Emailed them as no contact number and still waiting

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By (user no longer on site)
over a year ago

I'll be mortgage free when I'm dead.

I'm 20 years out of sync with others my age.

Divorced at 41, met somebody 14 years younger, had more kids, started all over again with a house......ugh

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By (user no longer on site)
over a year ago

That's amazing. Well done and enjoy it!

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