Run the numbers before you talk to anyone. Every calculator works in your browser, stores nothing and shows the assumptions behind the result.
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Is it worth it, how long it takes and what a lump sum does.
Property value, loan, equity and tax bracket in about 90 seconds, with a personal snapshot.
Open calculator →CalculatorThe return an investment needs to cover its after-tax interest cost.
Open calculator →CalculatorYour monthly surplus two ways, side by side over the years you choose.
Open calculator →CalculatorWhen your non-deductible home loan could be cleared, with and without recycling.
Open calculator →CalculatorWhat recycling a bonus, inheritance or savings does to your interest and tax.
Open calculator →CalculatorThe tax value of a deductible investment split at 2026-27 rates.
Open calculator →CalculatorHow much equity you could put to work, lender limits applied.
Open calculator →CalculatorKeep cash in the offset or recycle it: the trade in dollars.
Open calculator →Equity, repayments and consolidation.
Your loan-to-value ratio and usable equity at 80% and 90%.
Open calculator →CalculatorRepayments by frequency, total interest and a +3 point stress test.
Open calculator →CalculatorWhether rolling cards and personal loans into the home loan saves or costs you.
Open calculator →Calculators give estimates on the assumptions shown. A broker can check your real loan, equity and borrowing capacity.
Tell us about your loan and what you want to achieve. We will tell you what the lending side looks like, and when debt recycling is not the right fit.
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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.
