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.
How 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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