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A true no-cost refinance means you pay no money upfront and neither your loan amount nor your interest rate is increased to build any costs into your new loan. To calculate a break-even point, divide the anticipated total cost of your refinance by the monthly savings on your loan payment.
The Sun (2016)To get a mortgage you need to pay some money upfront to help buy the property. Times, Sunday Times (2011)It does not hand the company large amounts of cash upfront. Times, Sunday Times (2014)The company should not have requested an upfront charge. Times, Sunday Times (2013)They almost always demand money upfront so by the time you realise incompetence you are locked in.