According to a report by top mortgage brokers John Charcol, homeowners could be slashing their mortgage bills, not to mention their life insurance premiums, by thousands if they stopped smoking. Charcol estimate that using the extra cash saved by giving up the habit to overpay your mortgage loan could have a dramatic impact over the course of repayments .
Insurance savings for non-smokers has been the centre of a number of recent news articles on sites such as lifeinsurance.co.uk. According to a number of experts, no-smokers could be saving money on their life insurance, health insurance and even car insurance .
Charcol point out that even cutting down by 10 cigarettes per day could save a figure well in excess of 20 thousand pounds, and slash loan terms by up to five years. For those who smoke heavily, a fortune could be saved.
A spokeswoman for Charcol, Katie Tucker, reportedly commented: "When smokers look at what quitting can do to their finances it may provide that added incentive to finally stub out the habit. When they calculate how much they could save on their mortgage payments if they use the savings to overpay their home loan, there is an enormous enticement to give it a go."




