Based in Coorparoo, we structure debt recycling loans for homeowners across greater Brisbane and, remotely, right across Australia. Local, licensed and specialised in this one thing.
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We are a Brisbane-based brokerage that focuses on one strategy: debt recycling. Our office sits in Coorparoo, on the city's southside near Camp Hill, Greenslopes and Norman Park, and we work with homeowners right across greater Brisbane, from the inner-south suburbs out to the bayside, the western suburbs and the northside.
Debt recycling is a way of gradually converting the non-deductible debt on your home into deductible debt used to hold income-producing investments, without necessarily increasing what you owe in total. It is a leveraged strategy that uses your home as security, so the way the loan is structured matters more than almost anything else. That structuring is what we do.
We are powered by Kingfisher Finance Group, founded by Alex Gee (Director and Mortgage Broker), and we hold Australian Credit Licence 387025. Because we concentrate on debt recycling rather than every type of lending, the loan is set up for this purpose from the first split, not adapted from a standard home loan after the fact.
Why local still helps. Debt recycling is a long-term arrangement you revisit over many years. Having a broker you can sit across the table from in Brisbane, who knows your file and answers the phone, tends to make the ongoing steps far easier to keep on track.
Many established Brisbane households have built up meaningful equity in their homes over recent years. Usable equity is generally what makes debt recycling possible in the first place, because the strategy works by drawing on that equity through a separate, cleanly structured investment loan split rather than by adding to your existing home loan balance.
Whether debt recycling suits you depends on your own equity position, income, marginal tax rate, cashflow and time horizon, not on your postcode. We do not make assumptions about property values or growth in any suburb. In a first conversation we look at your actual numbers and give you a straight view on whether the strategy fits, and whether now is the right time.
One thing worth knowing early: you generally do not need a large amount of equity to begin. Debt recycling can be done in stages, recycling a portion of your equity at a time as your position allows, rather than in one large step. That means many Brisbane homeowners can start sooner and smaller than they expect, and build from there.
A free, no-obligation estimate based on your real position, from a Brisbane specialist.
Book a free call →You can meet us at our Coorparoo office if you prefer to talk things through face to face, which many local clients do for a strategy of this size. Just as many prefer to work remotely by phone and video, and we run the whole process that way for clients across Brisbane and interstate. The structuring and the standard of work are the same either way.
Being local to Brisbane also makes it easy to coordinate with the rest of your team. If your accountant or financial adviser is nearby, we can work in with them directly, and if you do not yet have those advisers in place, we can talk through the roles they play so you know what to organise. Debt recycling works best when the broker, adviser and accountant are pulling in the same direction from the start.
We look at your home value, current loan, usable equity, income and what you are trying to achieve. No cost, no obligation.
We give you an honest read on whether debt recycling suits your circumstances, and we will say so plainly if it does not.
If it fits, we explain the split structure we would set up and how we keep it clean, so your investment interest has the best chance of staying deductible. See our loan structure page for the detail.
We arrange the lending and work alongside your accountant and financial adviser. Your adviser recommends the investments; we structure the loan to hold them cleanly.
A note on scope. We arrange the lending. We do not recommend specific investments, and the information here is general only. Your financial adviser recommends the assets and a registered tax agent should confirm your deductibility position before you rely on it.
Across our work at Kingfisher Finance Group we have earned more than 160 five-star Google reviews, and we hold Australian Credit Licence 387025. Alongside Alex Gee, the team includes brokers Jessica Marais and Nikolas Allan. We keep the focus narrow on purpose: debt recycling done carefully, structured to hold up, and supported for the long haul.
How we structure the lending so it holds up.
Read more → SERVICEThe splits and sub-accounts we set up for you.
Read more → ABOUTThe Brisbane team behind the strategy.
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