New to debt recycling? Start with the plain-English basics, whether it suits you, and what you need before you begin. By a licensed Australian broker.
If debt recycling is new to you, start here. This is the plain-English foundation: what debt recycling actually is, how it turns non-deductible home loan debt into deductible investment debt without increasing your total borrowings, and how to tell whether it suits your situation before you commit to anything.
The guides in this category answer the questions people ask first. What is it, is it worth it for me, how much equity do I need, and when should I not do it at all. Read the complete guide for the full picture, use the hurdle-rate guide to see whether the numbers work at your marginal tax rate, and read the honest list of reasons to wait before you go any further. Debt recycling is a long-term, leveraged strategy that uses your home as security, so understanding the fundamentals first is not optional.
Once the basics make sense and the strategy looks like a fit, the next step is the practical build, covered in Loan Structure & Setup, and the tax rules, covered in Tax & Compliance. When you are ready to map it to your own numbers, you can run a free estimate or talk to a debt recycling broker.
Start HerePractical GuideHow much usable home equity you need before debt recycling makes sense, how usable equity is calculated, and why less can be enough than people think
Read the guide →
Start HereDecision GuideDebt recycling pays off only when your after-tax return clears the hurdle. The simple maths of whether it's worth it, and the conditions that tip it either way
Read the guide →
Start HereChecklistDebt recycling is powerful but it isn't for everyone. The situations where you should wait or walk away, from a licensed broker who says no when it doesn't fit.
Read the guide →Explore the Loan Structure & Setup guides →
Explore the Comparisons guides →
It can be, but only with the right foundations: stable income, spare equity, a long horizon and professional help to structure it. Start with the complete guide and the reasons-to-wait guide before deciding.
Enough usable equity to fund a meaningful investment split, which is less than many people assume because you can recycle in tranches. The equity guide works through how usable equity is calculated.
It depends on your marginal tax rate, your loan rate and the return you expect, which together set the hurdle the strategy has to clear. The hurdle-rate guide shows how to run that calculation.
Run the free estimate, or book a no-obligation call with a specialist debt recycling broker.
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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.
