A couple have revealed how they paid off their entire mortgage without any help in less than four years - and reckon you can do the same.

Lindsey Bryant, 38, and her partner Vicki Wright, 35, dodged a 35-year loan by paying off their £160,000 mortgage early.

And the mortgage-free super-savers then kept saving and bought their £300,000 four-bed detached home outright just three years later.

But far from being "penny-pinchers", the couple, who own their own recruitment business, insist they have never had a budget and never gone without the finer things in life.

News Shopper:

They have enjoyed up to four holidays a year, shop in Waitrose and drive a sports car - and are already making plans for their retirement.

They have revealed their simple 'secret' is considering the cheapest deal for every purchase - and then immediately putting any money saved towards the mortgage.

In practice this meant if they spotted a holiday for £400, but managed to negotiate a £300 price tag, they put the 'saved' £100 towards a mortgage overpayment.

But they did this for every single thing they bought for four years - right down to the 20p pocketed by buying a cheaper can of pop at the supermarket for lunch.

Lindsey and Vicki also only did jobs with bonus-based salaries and always did one extra day of overtime a month.

Other top tips include selling every item if they hadn't used it in the last 12 months and snubbing online in favour of negotiating with salespeople directly.

And in line with their mantra, every extra bit of money saved or earned went straight towards overpayments - saving them avoiding thousands in interest payments.

News Shopper:

Despite being in their 30s, the pair are already planning to retire in their 40s and are shopping around for their next mortgage-free home.

Vicki said: "It's all based on the premise of never going without - but just buying what we want, seeing if we can get it cheaper, and then saving the difference.

"That and making good choices that boost our income and save us money."

Lindsey said: "I would say for most people, if they really want to pay off their mortgage early, they could probably do it.

"We've never ever had a budget. We've never lived like that. We are quite self-disciplined.

"Willpower is the key. That's much more important that switching off light switches or eating budget own brand foods.

"We didn't have to sacrifice. We just made choices when we were presented with them."

News Shopper:

Lindsey and Vicki met in 2004 and after a few months together embarked on an adventure to Australia with just £600 between them.

They caught the "savings bug" when they "picked well" and landed jobs in exclusive bars and events, getting huge tips bartending and promoting.

With a social life virtually paid for thanks to working in VIP clubs and bars - serving the likes of Paris Hilton and Chris Hemsworth - they had saved £25,000 in two years.

Lindsey said: "We worked seven days a week for the last six months and just watched our bank balance go up and up and up.".

They went on a no-expense-spared four-month holiday on the way back and the experience gave them a taste for combining super savings and high living.

With all their friends already on the property ladder, they used their remaining money towards a £22,000 deposit for a £160,000 one-bed seaside flat in Bournemouth, in September 2007.

With a two-year fixed rate, they admit they went for "the first one they found" with bank Cheltenham & Gloucester with a minimum payment of around £990 a month.

Faced with the prospect of a 35-year loan, they pledged to pay it off in five years - and worked out they'd need to live off one salary to do it.

Vicki, who initially came up with the idea, said: "I said to myself I don't want a mortgage by the time I was 30. I thought it was achievable.

"I listened to people around me in their 50s with mortgages around their necks and I didn't want that.

"After being in Australia and being able to save so much it sort of became addictive."

Lindsey added: "We got that buzz for saving big and just like the bug you get for travelling, it just didn't go away."

Never deny themselves the luxuries in life, they set up a saving account to transfer any and every saving which was used for monthly overpayments.

Every time they made a purchase, they looked at how they could save, and transferred the difference to a special savings account.

News Shopper:

Examples include -

- On a holiday to the Dominican Republic they found a price online, and then phoned up a company whose workers earned commission on purchases.

They said they had found somewhere selling the same package for £100 cheaper - saving £350 on the initial online price.

- If they went out for dinner and the fish was £20 and the chicken was £12 - and they weren't fussed about which - they chose chicken and £8 went into the mortgage account.

- Vicki would always buy lunch in town at £4 or £5 per day so changed to a packed lunch at £1 and put the other £80 on the mortgage every month.

- Lindsey would buy a coffee every day from a cafe at £3 per day - £90 per month - but cut this out totally to put on the mortgage so nearly £200 per month or £2,500 a year.

Lindsey said: "It's not about denying yourself everything and switching the lights off when you walk out of a room to save 2p - it's about making smart decisions on every day stuff.

"We've never gone without. We've never been frugal. We've never thought 'no we can't have that'.

"But we did think of money all the time. I've always got that pound sign flashing in my mind.

"People will think 'that few pounds - that doesn't pay off a mortgage' but if you go out for dinner once a week, for both of you that adds up to around £60 a month. And that's just one thing.

"You wouldn't believe how quickly is adds up if every day you make these choices."

After two years they re-negotiated their mortgage and transferred to Lloyds, with a rate of 0.75 per cent and a monthly minimum payment of around £700.

They paid off their entire mortgage in August 2011 - in just three years and 11 months - and framed the certificate.

But keen to move up the property ladder - still without taking out a mortgage - they carried on their usual saving for three more years.

They sold the flat for £180,000 and moved two-and-a-half miles to a mortgage free four-bed £300,000 detached home in Winton, Dorset, in April 2014.

They shop at Waitrose and Asda, but always head to the discounted shelves first, and work backwards from there.

They drive a BMW Z4 and a Citroen, and have so far this year enjoyed trips to Malta and Tenerife.

While they were paying off their mortgages they enjoyed countless holidays - including trips to Cape Verde, St Vincent, the Philippines for a month, Paris, the Caribbean and Gran Canaria.

Vicki added: "I wouldn't live a life where I would go without something if I wanted it.

"We realised that little decisions on a daily basis could go a long way - and we just stuck at it."

While employed, Lindsey earned up up £30,000, while Vicki had a base salary of up to £40,000. But both have also earned bonus' and now work for themselves.

With dreams of leaving the rat race, the pair are still working but are considering retirement in their 40s.

They dream of moving to the countryside - Devon, north Dorset or Somerset - to a house with land where they can keep rescue animals and work as personal life coaches.

Meanwhile they continue to give friends and family tips on how to make savings and pay off their mortgages early.


1) Choose the right mortgage - and this might not be the one with the smallest interest rates. Choosing a mortgage that has no penalties for early or over payments is key.

"We went for the first one we found initially but later shopped around to check every option. Being able to make overpayments without a charge was crucial."

2) Do extra work. This could be offering to work overtime or by on call. Even just ONE extra shift a month can give you extra cash you didn't need to live off.

"We both always worked overtime every single week or put ourselves forward for on call duties out of hours to increase our monthly salaries.

This alone averaged at approximately £200 per month extra each, so £400 went on the mortgage without noticing it gone. "

3) Negotiate. The best way to make guaranteed extra cash is to negotiate your starting salary. If they offered you the job, they won't take back the offer just for asking for an extra £2,000 a year.

Also negotiating on things people wrongly think are cheaper online - like flights or hotels - can save pennies. Most salespeople work on commission, so they can give you better rates to help secure you as a customer.

"We probably put down £1,000 per year just on things we had negotiated so effectively a free £1,000."

4) eBay/Gumtree all unwanted items and presents. If you haven't used it for a year sell it!

"We made roughly £300 per month on selling clothes or unwanted items that again went straight on the mortgage.

Family members also give us items that they would only throw away as they don't use eBay etc."

5) Choose the right job. Picking a job where you earn a commission - and negotiating a good deal.

"I was offered and five per cent bonus in one role but only agreed to accept the job if I got 10 per cent and Vicki only agreed to a role if she had guaranteed bonus on top of any other earnings for the first six months.

"Some months we were fortunate enough to make over £1,000 on a sales bonus so this would go straight in to the pot."

6) Use online cash saving websites like Topcashback or Quidco accounts.

"You can get sometimes 10-20 per cent or more back on everyday shopping. We earn about £50 to £60 per month doing this."