‘We were mortgage-free at 45, here’s how you can do it too’
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Even modest overpayments can save you a fortune. We look at the best ways to pay off your biggest debt early
‘We were mortgage-free at 45, here’s how you can do it too’ Holly Mead Sat, October 31, 2026 at 11:00 AM GMT 6 min read Adrian and Tulay Massey. 'I have been able to invest in myself and the life I want to lead,' said Adrian.Photograph: Adrian and Tulay Massey
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.
