We structure debt recycling loans for Adelaide homeowners by phone and video. There is no Adelaide office, and we book every call in Adelaide time, half-hour offset included.
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Debt Recycling Loans is powered by Kingfisher Finance Group, the Brisbane mortgage brokerage led by founder Alex Gee. We do not have an Adelaide office. We work with Adelaide homeowners by phone and video, and in-person meetings are at our only office, 82 Leicester Street, Coorparoo, by appointment.
Our debt recycling guide explains the strategy step by step. The core idea: repay part of your home loan, then borrow that amount again through a separate split to invest, so the interest on the new split may become deductible.
Whoever you use, check their licence first. Moneysmart says brokers must be a credit licensee or credit representative, and suggests searching ASIC's professional registers before you meet. We are Authorised Credit Representative 522680 under Australian Credit Licence 387025.
South Australia (SA) runs on a half-hour time zone and uses daylight saving. Queensland uses neither, so the gap with Brisbane flips twice a year.
| Period | Adelaide Compared With Brisbane | Example |
|---|---|---|
| First Sunday in October to first Sunday in April | 30 minutes ahead | 11 am in Brisbane is 11.30 am in Adelaide |
| First Sunday in April to first Sunday in October | 30 minutes behind | 11 am in Brisbane is 10.30 am in Adelaide |
If you set up a joint call with your accountant or adviser, check which city's time the invitation shows. We call back within one business day of a request, by phone or video.
Our panel of more than 40 lenders includes BankSA, People's Choice and Adelaide Bank, along with Commonwealth Bank, ANZ and NAB. We first check whether your current loan can hold a separate investment split.
If it cannot, refinancing may be worth comparing. Moneysmart lists the costs to weigh:
We set those costs against the benefit before you decide. Our page on refinancing for debt recycling covers when a move tends to make sense.
Some people use an investment split toward a property deposit instead of shares. If the property is in SA, RevenueSA handles two state taxes worth knowing about:
Rates and thresholds change, so check RevenueSA's current figures with your accountant before you commit. For the lending side, see our page for property investors using debt recycling.
We can help homeowners anywhere in greater Adelaide, including the Unley, Burnside, Norwood Payneham & St Peters, Prospect, Holdfast Bay, Tea Tree Gully and Onkaparinga council areas, and the Adelaide Hills.
We make no assumptions about property values in any of them. Suitability comes down to your equity, income, tax rate, cash buffer and time horizon.
Distance does not change the rule that protects the deduction: keep investment borrowing and private borrowing apart.
See how we structure the loan for the full setup. We arrange the lending only: your financial adviser recommends the investments, and a registered tax agent should confirm your deductibility position.
From Adelaide, the main practical difference is the clock, which sits half an hour either side of Brisbane depending on the season. If your split will buy South Australian property, ask RevenueSA and your accountant about land tax and stamp duty first. A free call shows whether the lending side looks workable.
Request a free, no-obligation call by phone or video and we will call back within one business day.
Request a Call With Alex →Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
It depends on the season. Adelaide is 30 minutes ahead of Brisbane from the first Sunday in October to the first Sunday in April, and 30 minutes behind for the rest of the year.
No. What matters is that the broker is a credit licensee or credit representative, which you can check on ASIC's professional registers. We work with Adelaide homeowners by phone and video.
Both are on our panel. We check whether your current loan can hold a separate investment split before comparing any move.
RevenueSA. Land tax is assessed on land owned at midnight 30 June, and your principal place of residence is one of the common exemptions.
Moneysmart lists discharge, application and break fees, plus lenders mortgage insurance if you have less than 20% equity. We set out the costs of each path before you commit.
Yes. The investment split can fund shares or managed funds instead of property. Your financial adviser recommends the assets, and we arrange the lending.
Work with Alex Gee, a debt recycling mortgage broker at Kingfisher. Discuss your goals, review your loan options and plan the next steps. Book a free call.
Read more → GUIDEWhich lenders support debt recycling? Compare loan features, borrowing capacity, refinancing costs and why lenders decline, with worked lending scenarios.
Read more → GUIDERefinancing with splits already running? What to replicate at the new lender, what to document and how a deductible split gets merged by accident.
Read more →
1. Arranged a loan when our small business situation made it difficult to qualify.
2. Met requirements to have funding available by a specified date.
3. Understood my needs to setup debt recycling to allow tax structuring.
4. Communicated well throughout.
I would use their services again.
Alex, Jess and the Kingfisher team were second to none and their process from start to finish was faultless. As a self-employed business owner, it can be difficult to obtain finance at the best of times. The Kingfisher team made this an easy and efficient proposition and their continued transparent and efficient communication ensured we were kept up to date at all times. Highly recommend them for your finance needs!
Alex and Jess dealt with our investment loan and provided a top tier service. They kept us up to date and communicated every step of the process making it a seamless and smooth experience! Awesome work team we will definitely be back for future loans!
Jess from Kingfisher was outstanding. I couldn't fault her communication, expertise or dedication to finding the best loan for our situation. The entire process was seamless from start to finish. We'll definitely be using Kingfisher again in the future. A top-tier organisation.
Next Step
Talk it through with Alex
Bring a rough picture of your home loan, income and savings. You will come away knowing whether the lending side looks workable.
Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
