Plain-English, broker-written guides on the strategy, the loan structure behind it, and the details that decide whether it works. No hype, real numbers, Australian rules.
Everything the theory articles leave out: how the loan splits actually work, why redraw contamination ruins the strategy, the ATO purpose test in plain English, a fully worked example with an honest bad year, itemised setup costs, and who this suits (and who it doesn't).
Read the guide → Strategy ComparisonYour offset account is quietly earning you a guaranteed, tax-free return. Debt recycling asks you to give that up for something bigger but less certain. Here's the honest maths on both, the hurdle rate that decides it, and the hybrid approach most households actually land on.
Read the comparison → Tax & ComplianceDebt recycling rarely fails because markets fall. It fails in the plumbing: redraw contamination, funds resting in the wrong account, one school-fee payment from the wrong split. The seven structural mistakes we see most, and how to make each one impossible.
Read the checklist →Run the free calculator — property value, loan balance, equity, and tax bracket. Takes about 90 seconds.
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