We set up debt recycling loans for homeowners in the Australian Capital Territory (ACT) and Queanbeyan by phone and video. We have no Canberra office; our only office is in Coorparoo, Brisbane, open by appointment.
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Debt Recycling Loans is powered by Kingfisher Finance Group, a Brisbane mortgage brokerage that focuses on debt recycling. We do not have an office in Canberra. We work with Canberra homeowners by phone, video and email.
New to the strategy? Our guide to debt recycling sets out the steps. The idea is to gradually replace non-deductible home loan debt with a separate split used only to invest.
If you want to meet in person, our office is at 82 Leicester Street, Coorparoo, in Brisbane's inner south, and you are welcome by appointment.
Leasehold is the ACT's system of land tenure. The ACT Government says that if you hold a Crown lease, you effectively own the property.
Before you apply, we check the chosen lender's requirements for ACT leasehold security.
The ACT Revenue Office says land tax applies to ACT properties that are not your principal place of residence. That includes rented and vacant properties.
We do not quote rates here. If your plan involves an ACT rental, check the current figures with the ACT Revenue Office and your accountant. Our page on recycling into an investment property covers how the lending is set up.
Queanbeyan and Bungendore sit across the border in New South Wales (NSW), within Queanbeyan-Palerang Regional Council. If you live in Canberra but own a rental there, NSW rules apply to that property, not ACT ones.
That makes land tax on a Queanbeyan rental a matter for Revenue NSW, which charges it on the value of unimproved land. If you hold or plan to buy property on either side of the border, read about debt recycling for property investors.
We work with homeowners right across the ACT and the nearby NSW towns, including:
The ACT observes daylight saving. Queensland does not, so Brisbane stays on Australian Eastern Standard Time (AEST) all year.
From the first Sunday in October to the first Sunday in April, Canberra is one hour ahead of Brisbane. A 10am call in Canberra is 9am in Brisbane. For the rest of the year, the two cities share the same time.
Debt recycling involves three roles. Keeping them clear helps the plan hold together.
| Role | What They Do |
|---|---|
| Mortgage broker (us) | Structures and arranges the lending, compares lenders and manages the application |
| Financial adviser | Recommends whether to invest and what to invest in |
| Accountant or registered tax agent | Confirms whether the interest is deductible for you and how land tax fits |
To see each stage from the first call to settlement, read about working with Alex Gee.
On the first call we cover your goals, current loan, income and savings. If it fits, we walk you through the split structure we use, which keeps the investment split separate from your home debt.
The first call is free and has no obligation. You come away knowing whether the lending side looks workable and what happens next.
Debt recycling from Canberra works the same way as anywhere else: a clean split, careful records and the right advisers. The local differences are practical ones, such as Crown lease titles, ACT land tax if property is part of the plan, and NSW rules for anything across the border in Queanbeyan.
We handle the lending by phone, video and email, and our Coorparoo office is open by appointment if you would rather meet.
A free, no-obligation phone or video call to see whether the lending side of debt recycling looks workable for you.
Request a Call With Alex →Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
A Crown lease is the normal form of land tenure in the ACT, and the ACT Government says the lease holder effectively owns the property. We confirm the chosen lender's requirements for your lease as part of the application.
Not if it is your principal place of residence, according to the ACT Revenue Office. It applies to ACT properties that are not your home, including rented and vacant ones.
Queanbeyan is in New South Wales, so Revenue NSW rules apply rather than ACT rules. Your accountant can confirm how they affect your plan.
From the first Sunday in April to the first Sunday in October, yes. During daylight saving, Canberra is one hour ahead because Queensland does not change its clocks.
No. Your equity, income, tax rate, cashflow and time horizon matter, not your district. We work with homeowners across Canberra and Queanbeyan by phone and video.
Your licensed financial adviser. We arrange the lending and coordinate with your adviser and accountant so the loan matches the plan.
Using an investment property as your recycled asset, and what the 2026 Budget negative gearing changes mean. Structured by a specialist broker.
Read more → SERVICEHow a debt recycling loan is structured: the splits, sub-accounts and redraw setup that keep your deductions clean. Done for you by a specialist broker.
Read more → GUIDEHow much usable home equity you need before debt recycling makes sense, how usable equity is calculated and why less may be enough than you think.
Read more →
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.
Next Step
Talk it through with Alex
Bring a rough picture of your home loan, income and savings. You will come away knowing whether the lending side looks workable.
Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
