What to invest in, realistic returns, how long it takes and how debt recycling builds long-term wealth.
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Debt recycling is a wealth-building strategy, not a tax trick. The deduction is the tailwind; the portfolio is the point. This category covers the investing and returns side: what the borrowed money buys, what returns are realistic, and how long the strategy takes to do its work.
The guides here look at what to invest in and how ETFs, LICs and shares compare, what realistic returns look like once you account for sequencing risk, how long debt recycling takes to pay off a mortgage, and a fully worked example modelled year by year. The figures are illustrative and clearly labelled as such, because no one can promise a market return.
We arrange the lending; your financial adviser recommends the assets. That division matters, and these guides respect it. If you have settled on a share-based approach, see debt recycling with shares and ETFs, and if you want to model your own numbers first, run the free estimate.
Wealth & ReturnsComparisonThe recycled funds have to produce income to stay deductible. ETFs, LICs, direct shares and managed funds compared for debt recycling
Read the guide →
Wealth & ReturnsWorked ExampleA fully worked, clearly illustrative debt recycling example on a $600,000 mortgage, including an honest bad year. Assumptions stated
Read the guide →
Wealth & ReturnsPractical GuideHow many years debt recycling can shave off a mortgage, and what speeds it up or slows it down. Illustrative timelines by a licensed Australian broker.
Read the guide →Income-producing assets: ETFs, LICs, shares, managed funds or an investment property. The what-to-invest-in guide compares the options for the recycling context.
No one can promise a market return. The returns guide explains realistic expectations, the role of the tax benefit and why sequencing risk matters over a long horizon.
Typically a 10-year-plus horizon, shortened by spare cash flow, a higher marginal rate and strong returns. The how-long guide models the timeline under different assumptions.
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.
