Journal / Financial
The "Cheap Debt" Paradox: Why a 6% Mortgage is Actually a Win
C
Editorial Team Jan 28, 2026
7 min read
Executive Summary
"If inflation is 4%, your real interest rate is only 2%. We break down the math of debt devaluation."
Inflation helps borrowers and hurts lenders. When you have a fixed-rate mortgage, you are paying back the bank in "cheaper" dollars every year.
Use our Mortgage Engine to see how extra payments impact this equation.
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