‘We paid our mortgage off in three years’: Couple share how to become mortgage free

This man intends to live mortgage free in a refurbished caravan

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49-year-old Sue Bordley from the Wirral in Merseyside says that although she enjoyed her job as a secondary school teacher, she’d always dreamt of writing her own books rather than marking them.

And that dream only started to become a reality when she and her husband Mark paid off their £100,000 mortgage – which they accomplished in just three years.

She says being mortgage free has allowed her to focus on achieving her childhood dream because she doesn’t have the worry of monthly payments hanging over her head.

It all started when they were watching TV.

Sue recalls: “We were watching a programme at the time called How to pay your mortgage off in two years.

“I remember thinking it was impossible, and it was tough.

“But we decided we’d like to give it a go as long as it didn’t make us miserable.

“We eventually did it in three.”

The couple weren’t by any means frivolous and didn’t have expensive tastes – but Sue admits that they did have a penchant for takeaways and nights out.

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Cutting back on these simple luxuries meant that some months they could afford to overpay on their mortgage by a few hundred pounds.

Of course the exact amount differed from month to month, depending on whether the MOT was due or Christmas was around the corner.

And although they weren’t having as much fun, they were determined not to be miserable.

“While we weren’t going out and spending we were getting satisfaction from at least seeing what we were achieving,” Sue says.

It was only when they became mortgage free that Sue started to realise how having their roof over their head all paid for, could open up all kinds of doors.

It’s paved the way for her to become a bestselling author and an award-winning poet, people can find her on Instagram under Suebordleywrites.

“It’s allowed me to choose what I want to do with my life,” she enthuses. “I don’t earn the money I used to earn, but I’m far, far happier.

“Looking back we did it at the right time as it was before our children came along. After that we had a lot to fork out in childcare expenses.”

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Sue is the first to admit that becoming mortgage free is harder now than it ever was.

But for anyone else with similar aspirations, she recommends starting with a list of all their income and outgoings.

Once it’s all there in black and white, people can figure out if the things they are currently spending money on will make them happier than paying off their mortgage.

Without a doubt, becoming a best selling author and poet has made Sue far happier than nights out and takeaways ever could.

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