Boilers - I want to repay early

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Based on resolver's experience to date, the feasibility of paying off your Boiler loan early will depend on who you took the loan out with. If the loan was taken out with a bank, building society or was a further advance on your mortgage – you may be liable for early repayment charges. If this is the case, your first step should be to contact them to check what any charges are.

Any early repayment charges should have been disclosed to you up front or made clear in your loan agreement. If it is the case that you were unaware of the early repayment charges then you should write and complain to the loan provider in order to ask for these charges to be waived. As a last resort, you can complain to the Ombudsman and ask them to arbitrate your case, but you should bear in mind that if an early repayment clause is included within your deal you are unlikely to obtain redress unless you can demonstrate that you were misled.

If you had the Boiler installed under the Green Deal, it may not be in your interests to pay the loan off early, since Green Deal loan repayments are tied to the property, not the individual.

Resolver recommends that you submit your concern in writing and we can assist you in all aspects of your complaint; formulating letters, recording dialogues, and reminding you when and who to escalate to.

Remember that this is a good time to check that you are on the best energy tariff for your needs using a price comparison website, so it’s a good idea to take some time to compare prices and switch providers if you find a better deal. As you are moving into a new home you may not have the full details for the energy use in the home so resolver recommends you ask the current owner/occupier for the energy usage via your solicitor or the estate agent.

Price comparison websites often have tools that help you estimate your energy usage and to help you make an informed decision.

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