You understand the idea. Now speak with a broker who will look at your loans, your numbers and your goals, and arrange the lending properly.
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Alex is the founder and Director of Kingfisher Finance Group, the Brisbane mortgage brokerage behind Debt Recycling Loans. He has been in business for more than six years and is known for lending that needs careful structuring: self-employed and business owner loans, bridging finance for upgraders, and debt recycling.
As a debt recycling broker, Alex starts with what you want the lending to do, now and in the years ahead, before any loan product is discussed. He works alongside mortgage broker Jessica Marais and the Kingfisher team, so you may deal with more than one of us during an application.
Credit Representative 522680 under Australian Credit Licence 387025 · FBAA member · 5.0 from 173 Google reviews
You do not need a finished plan. Bring where things stand and what you are trying to achieve.
Those goals shape the lending assessment. A move in three years, parental leave or a plan to buy again changes how much flexibility the loan needs, which lenders suit and how much borrowing is sensible. Whether to invest, and what to invest in, is advice for a suitably licensed financial adviser. Alex arranges lending that supports the plan you and your advisers agree on.
New to the strategy? Our homepage guide explains how debt recycling works, step by step.
Six stages, from a first call to life after settlement. At each one, here is what you provide, what we do and what you should understand afterwards.
A phone or video call about what you want to achieve now and over the longer term, the questions you have and the support you need.
A closer look at the numbers behind your existing loans, income, commitments, property position and available funds.
A proposed loan structure that suits what you and your advisers want to do.
A comparison of staying with your current lender against moving to another.
The application itself, from documents through to settlement.
What happens once the loans are in place.
For the mechanics behind these stages, see debt recycling step by step with Alex.
A professional couple came to us as specialist debt recycling brokers with a plan already researched and one problem to fix.
Those figures are reported outcomes from the client file. The case study also shows an anticipated yearly tax saving, which is a projection and subject to confirmation by the couple's accountant. Outcomes depend on individual circumstances, and the decision to sell and reinvest sat with the clients and their own advisers.
Usually both, plus an accountant. People searching for a debt recycling adviser or debt recycling advice are often looking for three different services.
| Professional | What they do |
|---|---|
| Mortgage broker | Assesses your lending options and arranges the loans: structure, splits, lender choice and the application. |
| Licensed financial adviser | Advises on whether borrowing to invest suits you, and on investment selection. |
| Registered tax agent | Advises on tax treatment, deductions and the records needed to support them. |
Alex's service is mortgage broking and credit assistance. He is a Credit Representative (522680) of Mortgage Specialists Pty Ltd, trading as Specialist Finance Group, which holds Australian Credit Licence 387025. He does not provide financial product advice or tax advice, and works with the professionals who do. See our Credit Guide.
“Understood my needs to setup debt recycling to allow tax structuring.”
Francois Schwartz, Google review
Kingfisher Finance Group holds a 5.0 rating from 173 Google reviews. Read more client reviews.
We talk about what you want to achieve, your current home loan and the questions you have. You will hear whether the lending side looks workable and what would need a closer look. The call is free and there is no obligation to proceed.
Your latest home loan statements, approximate property value, savings and offset balances, income details and regular expenses are a useful start. Tell us about fixed-rate loans, previous redraws and any plans to move home.
Yes. We coordinate the lending with the advice you receive, and it helps to involve your accountant and adviser from the first conversation. If you do not have them yet, the lending review can start while you arrange that advice.
Not necessarily. Your existing lender may offer the splits and features the plan needs. Where refinancing is worth considering, we set out the features and total costs of each option first. Our guide to which lenders support debt recycling covers what to check.
We may receive commissions from lenders for loans we arrange, and these are not payable by you. If a fee is payable by you for credit assistance, it is disclosed in a Credit Quote before you proceed. Lenders may charge application, valuation or switching fees, and your accountant and financial adviser charge separately. Our Credit Guide has the detail.
Yes. An enquiry or a first call does not commit you to an application. Many people use it to find out what their current loan can support.
Yes. Kingfisher Finance Group is based in Coorparoo, Brisbane, and you are welcome to meet us there. We also work with clients across Australia by phone and video.
Tell us where your loan stands and what you want it to support. You will come away knowing what is possible and what the next step would be.
Request a Call With Alex →
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.
