‘We were mortgage-free at 45, here’s how you can do it too’

Even modest overpayments can save you a fortune. We look at the best ways to pay off your biggest debt early

When Adrian Massey was made redundant from his job as a food developer in 2010, the bill that worried him the most was the mortgage. Just over a decade later he and his wife, Tulay, had cleared their debt early, saving themselves £30,000 and freeing up some money to start their own business.

The couple had bought their six-bedroom home in Banbury, Oxfordshire, for £280,000 two years before he lost his job.