am i just greedy ?

someoldbloke_2

i only have mortgage of £25000 over next ten years left but every time i think i could get a better deal its the costs of changing that gobble up any benefit because its quite a small amount, as well as that do enviro balls work she who must be obeyed wants to know !!!

beecher

My mortgage is £42,000 over 14 years and I feel exactly the same way - the cost and hassle makes it seem not worthwhile to change. A lot of mortgages only seem to be available for people borrowing £50,000 plus.

I also tend to go for the mortgages with no arrangement fee which means that the interest I pay seems way higher than everyone else's, but such is life.

Can't comment on enviro balls

Trying_to_be_good

Would an option be an offset or other mortgage with no early repayment charges (I have a lifetime tracker with no ERCs), where you could take it out for >£50,000 and immediately puy off the extra you don't need (I realise this might take a month whilst the solicitors and banks do their stuff to get the excess monies to you).

beecher

Trying_to_be_good wrote: »

Would an option be an offset or other mortgage with no early repayment charges (I have a lifetime tracker with no ERCs), where you could take it out for >£50,000 and immediately puy off the extra you don't need (I realise this might take a month whilst the solicitors and banks do their stuff to get the excess monies to you).

It might well be worth it, but I don't like the thought of upping my mortgage, even if it would save money in the long term. Am extremely risk averse!! I will have a think about it nearer the time though - my fixed rate doesn't end til the end of the year.

Sorry to hijack your thread someoldbloke

Dan_Collins_2

WHo is your lender? They may offer you a no erc life time product!?

undercoat11

do enviro balls work she who must be obeyed wants to know !!!

Yes they do, but they don't leave any smell in the washing so if you like the smell of synthetic washing powders, don't use them. I think they are good - but I still use washing powder for really dirty items.

(Is this the right answer to your question? Or is this some mortgage product that I don't know about?)

someoldbloke_2

cheers ma dears we will invest in enviro balls ,to put in our vests!
:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

someoldbloke_2

thanks as this is first thread i`m just glad i got any replies at all
cheers ma dears next on my list solar powered knitting needles!

kunekune

Thanks for the smile!

I'm no expert, but I would think that the difference in total repayments between two mortgages may well be so small it is barely worth the hassle, let alone any costs involved. Why not look up on one of the calculators what the difference is between, say, 4.99, 5.45 and 5.99? That should tell you whether the time/hassle is worth it. (I will add I would be amazed if it was.)

Dunno about enviroballs. Perhaps your OH needs to start visiting Old Style, that's the board where you'll find all kinds of expertise about washing and other domestic skills, including cooking. You might never get the computer back ... but you will find yourself eating some wonderful food!

someoldbloke_2

thanks kunekune i guess you can try too hard i`ll delete the part out about domestic skills out she who must be obeyed
likes to burn everything for health reasons ! anyways i`m off to change my electric supplier that i`ve had for 31years!!!
cheers ma dears some old bloke

steveandjud

undercoat11 wrote: »

do enviro balls work she who must be obeyed wants to know !!!

Yes they do, but they don't leave any smell in the washing so if you like the smell of synthetic washing powders, don't use them. I think they are good - but I still use washing powder for really dirty items.

(Is this the right answer to your question? Or is this some mortgage product that I don't know about?)

A lot of people are skeptic about this product...after reading may reviews we thought it best to make our minds up ourselves. After looking at various versions from various online stores, we fund prices ranging from £15 upto £35 plus, for what is essentially the same product. Eventually we purchased ours from www.ECO-BUYS.com, the price seemed OK, delivery was fantastic, they arrived within 2 days. As for the product, well the proof was actually in using them, we certainly won’t be purchasing washing powder again these balls actually work, a cleaner softer wash, and all at a lower temperature…What I would call a WIN WIN situation. If you are one of those skeptc’s try them I am sure you won’t be disappointed.
:T :T :T :T :T :T :T :T :T :T :T :T :T