It was a red-hot summer day last year. I had a week off work and had agreed to help my mate Phil put up a new garden fence. I’ve known Phil for years — he lives just around the corner and we spend a lot of time together in the pub.

We’re both 49, married for ages. He’s let himself go a bit, but I’ve stayed pretty active, so I knew I’d be doing most of the hard work.

Since I have access to a van, I offered to pick up the fencing and drop it at his place. He said he’d leave the money with his daughter Holly. She’d just moved back home after three years at uni. I hadn’t seen her in all that time, so it would be nice to catch up and see how she was getting on.

I loaded the fencing into my van and drove over. When I knocked on the door, Holly answered.

Wow. I nearly came in my pants right there.

She’d transformed from a nerdy, plain girl into an absolute sex goddess.

The last time I saw her she wore baggy clothes, scruffy trainers and kept her head down. Now she stood there in just a tiny bikini, looking like she’d spent the morning at the salon — perfect makeup, long sexy nails, and a sexy glow about her. She looked like someone from Love Island.

She was about 5’1” with long black hair, a perfect size 10 figure, juicy C-cup breasts, and a firm, round arse.

“Hi Tom, remember me?”

“Er, yeah… how’ve you been?”

“Yeah, I’m good. Uni’s finally done so I’m back home for a bit. I’ll open the side gate for you so you can get into the garden.”

“Thanks.”

I couldn’t help staring at her perfect arse as she wiggled away to open the gate.

I started unloading the fencing from the van and putting it in the garden.

Holly was lying on a sunbed, enjoying the sun.

“Nice weather, eh?” I said, trying to start a conversation.

“Yeah, I love the sun. I’m off to Ibiza next week, so I need to look my best. I can’t wait.”

“Sounds amazing,” I muttered, my mind filling up with filthy thoughts.

I pictured Holly in Ibiza: different guy every night, big cocks, black cocks, threesomes, orgies, covered in cum, licking pussy, bent over taking it hard from behind. My cock was getting hard just thinking about it.

Then I started to wonder how many lads she had fucked at uni. Did she take it up the arse? Did she swallow? I had so many filthy questions whizzing around my mind.

The sun was frying my brain. It took about half an hour to move all the wood. I was going particularly slowly so I could enjoy the view of Holly’s body.

Every time I passed her, I had a good look. She lay there with her legs slightly parted. Fuck, she looked hot.

When I finished, I shouted, “Holly? Your dad said you’ve got the money for the fencing.”

“Yeah, come into the kitchen,” she answered, standing up and leading the way.

I followed her inside, eyes focused on that arse. I’d love to shoot all over her, I thought to myself.

Inside, she leaned over the breakfast bar — basically presenting her tits to me — and pulled £300 in cash from a jar, fanning it playfully.

“It’s such a waste giving you this,” she said with a filthy grin. “I could be spending it on my Ibiza trip. If only there was a way I could earn it back…”

“Yeah… if only,” I replied, unsure where this was going. I just wanted to get home for a long wank over her Instagram.

She stepped around the breakfast bar and moved towards me. “Tom, what if I sucked you off?”

“Err… what? No.”

“Come on, Tom. You’ve been staring at me since you got here. Don’t pretend you haven’t spent the last half hour thinking about me. I’ve seen you staring at my tits.”

“But your dad’s a mate and I’m married, if you haven’t forgotten.”

“Look, Tom,” she said. “I spent three years at uni sucking cock and getting fucked whenever I wanted. I’ve done things you can only dream of.

Next week in Ibiza it’ll be a different guy every night. I have a high body count. I love fucking. I’m not some innocent little princess anymore.”

I stood there in shock. Shy Holly had turned into some kind of sex maniac.

She moved even closer and glanced down at my shorts. “I think your cock wants to play. Come on.”

“Fuck it… okay. You keep the money.”

“Yay!” she giggled. “Come upstairs.”

I followed her up, staring at her arse. Her room hadn’t changed much since she was 18. She still had a small single bed.

“Relax, Tom,” she said, and then kissed me on the lips before dropping to her knees.

She unzipped my shorts, pulled them and my boxers down in one smooth move. My hard cock sprang out, nearly hitting her face.

“He’s eager,” she said.

Then she wrapped her hand around my hard cock and with a quick movement took me deep into her hot, wet mouth. Fuck, it felt incredible.

She bobbed up and down, licking every inch, swirling her tongue around the head and tasting my pre-cum. She was good. She’d obviously had a lot of practice.

It had been a while since I’d had a blowjob, and I was quickly getting close to cumming.

I just wanted to shoot my cum all over her cute face and watch her scoop it into her mouth and swallow the lot. 

I’d not felt this turned on in years.

She looked up at me. “You can fuck me for another £200.”

That snapped me back to reality. “I can’t… I shouldn’t…”

She stroked my cock slowly, then looked up with sad puppy eyes. “Please, Tom. I could really use the money.”

My brain switched off again, overcome by pure lust and filthy thoughts. “Fuck it. Okay.”

“Yes!” She grinned. “Come on — let’s do it on my parents’ bed. My single’s too small for you to throw me around.”

She really was wild. Who knows what had happened to her at uni to turn her into this sex monster. This was now getting insane. I was about to fuck my mate’s daughter in his bed. What was wrong with me?

In her parents’ bedroom, she stripped slowly, dropping her bikini top to reveal perfect breasts, then sliding off the bottoms. Her pussy was completely shaved and looked amazing. I wondered when the last time it was filled with cum.

There were pictures of my mate and his wife on the wall. It all felt so wrong, but I wanted that pussy.

She jumped on the bed and lay on her back with her legs open.

“Come on, Tom.”

I dived between her thighs, kissing and licking up to her clit. She tasted like heaven. Her juices covered my face as I licked away.

I slid one finger inside — she was so tight I struggled to squeeze it in — then a second, stretching her open. I started flicking her G-spot, making her moan loudly.

After a few minutes of licking and finger-fucking she let out a scream and tensed up. One more finger flick and her body exploded. She screamed and a massive orgasm shot through her body, squirting all over my face.

I needed to fuck her now. My cock was so hard I thought it might explode on its own.

“You got any condoms?” I asked, thinking straight for a second.

“I’m on the pill. Just stick it in.” I wondered how many other cocks had been in there and the potential for some kind of STD. However, nothing was stopping me now.

I rubbed my cock against her pussy entrance, then I couldn’t wait any longer so thrust deep inside.

She was so tight, and it felt so amazing inside her.

I started to pound away, loving every second. I grabbed her perfect tits and pumped away at her in missionary style, moaning and panting as I fucked her. It had been months since I’d fucked my wife so I was desperate for sex.

I wanted to see that perfect arse so I flipped her onto all fours and slipped back inside.

I was enjoying it now and wanted to make it worth the money I’d spent.

I pounded her hard and fast from behind and started spanking her firm arse cheeks. I spanked hard, leaving a red handprint on that perfect arse.

She moaned and screamed louder and louder.

I was feeling filthy now so I licked my thumb and gently pressed it into her tight arsehole. She loved it — clearly not her first time. I slowed down my thrusts to allow her to move back onto my thumb, stretching her tight hole. I could tell she liked both holes being filled.

I started going hard and fast again. She knew exactly what to do and was pushing back onto both my cock and thumb.

It was so intense.

Then I flipped her onto her back again, pulled her to the edge of the bed, stood up and pumped deep into her while rubbing her clit.

I used my other hand to grab her tits as they bounced in front of me and squeezed her nipples firmly.

We fucked hard and fast. I could feel her body start to tense up and knew she was ready to cum again.

A few more pumps and a rub of her clit and she came hard again, her pussy squeezing my cock.

I couldn’t hold it any longer — I exploded inside her, shooting a hot load of my cum deep inside her tight pussy.

We collapsed on the bed, panting and sweating.

After a minute, the reality hit me — I’d just cheated on my wife with my mate’s daughter, in his own bed. Cum and pussy juices were all over his bed covers.

Holly finally spoke.

“Wow, Tom… that was really good. If I’d known you could do that, I might’ve done it for free.”

“Thanks,” was all I could manage.

“You’d better go before my dad gets home. He wouldn’t be too happy finding you naked in his bed and your cum on his sheets,” she said, laughing.

I realised she was a bit insane. This really didn’t bother her.

“Remember, you still owe me another £200.

Give me your number — I’ll message you to arrange pickup. I need it before my holiday.”

She then said, “And maybe if you want some more fun, we could come to another arrangement… Ibiza isn’t cheap.”

I got dressed quickly and left. What had I done?

How was I going to explain the missing £300 to my wife — never mind finding another £200.

I also had a sinking feeling that Holly wasn’t finished with me yet and this afternoon’s sex was going to cost much more.