
Housing8 min
Should You Refinance Your Mortgage? The Break-Even Math
Refinancing is one division problem: closing costs divided by monthly saving. Work out your break-even point, and the trap that raises your total interest.
Aug 2, 2026Read
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What a home actually costs to buy and carry — the mortgage payment behind the asking price, the income a lender wants to see, and how that compares across countries.
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Refinancing is one division problem: closing costs divided by monthly saving. Work out your break-even point, and the trap that raises your total interest.

We ran the same mortgage on official data from six countries. The US has the cheapest housing per square metre in the study — and one of the heaviest burdens.