“Technically we could pay it off now but we want to keep our savings as a buffer for things going wrong so prefer to keep on with the monthly chipping away at the mortgage so we come out the end mortgage free and with savings,” they penned.

However, the efforts have not come without a struggle, “Dockray” explained, pointing out that they had had to balance the repayments with paying for childcare for three children.

“It’s been hard at times (especially with childcare costs for three kids) but it has been hugely satisfying to see the mortgage come down.”

Another person explained they had also managed to shorten their mortgage term by “decades”.