We arrange debt recycling loans for Melbourne homeowners entirely by phone, video and email. We have no Melbourne office. In-person meetings happen at our one office in Coorparoo, Brisbane, by appointment.
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Debt Recycling Loans is powered by Kingfisher Finance Group, a mortgage brokerage in Brisbane that focuses on debt recycling. We do not have an office in Melbourne.
If you are still learning the strategy, start with debt recycling explained, our step-by-step guide. The short version: you gradually shift home loan debt into a separate split used only to invest.
Melbourne clients deal with us by phone, video and email. If you are ever in Brisbane and want to meet, our office at 82 Leicester Street, Coorparoo, is open to you by appointment.
We book a free phone or video call at a time that works in Melbourne. We cover your goals, current loan, income and savings.
You email recent statements showing your splits, offset and any past redraws, plus income documents and a rough home value.
On video, we map which split funds your home and which funds investing. See how we structure your loan for the detail.
We check whether your current lender can support the plan and compare options across our panel of more than 40 lenders. Sometimes that means refinancing so your loan can recycle.
We lodge the application, keep you updated through to settlement, and confirm which account is which before your first transfer.
Queensland does not observe daylight saving, so Brisbane stays on Australian Eastern Standard Time (AEST) all year. Victoria changes its clocks, which means:
This season runs from Sunday 4 October 2026 to Sunday 4 April 2027. If we suggest a time by email, we will say whether it is Melbourne time or Brisbane time.
Some people recycle into an investment property rather than shares. If your plan involves property in Victoria, the State Revenue Office (SRO) is the place to check.
We do not quote thresholds or rates. Check the current rules with the SRO and ask your accountant how they affect your numbers.
These are property taxes, so they do not apply to shares or exchange traded funds (ETFs). Our page on debt recycling with shares and ETFs explains that route.
Australian Bureau of Statistics (ABS) lending figures put the average new owner-occupier home loan in Victoria at $664,000 for the June quarter 2026, against $731,000 nationally.
A loan that size still means a lot of interest paid from after-tax income. Debt recycling aims to reduce that non-deductible debt over time, but your own equity, income and risk comfort decide whether it fits.
We work with homeowners across Melbourne and nearby regional Victoria, including:
A few questions are worth thinking about before we speak:
You do not need a finished plan. To see what each stage involves and who does what, read about working with our debt recycling broker.
We arrange the lending only. We do not recommend investments or give tax advice; your licensed financial adviser and your accountant or registered tax agent cover those.
Living in Melbourne does not change how carefully a debt recycling loan needs to be set up. It changes how we work together: by phone, video and email, with our Coorparoo office available by appointment.
Keep the daylight saving gap in mind when booking, check SRO taxes if property is part of the plan, and let your adviser and accountant guide the investment and tax decisions.
Book a free phone or video call and find out 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
Only during daylight saving, from the first Sunday in October to the first Sunday in April. For the rest of the year, Melbourne and Brisbane share the same time.
Victoria's State Revenue Office says land tax may apply to property other than your home, and it has a principal place of residence exemption. Check how the rules apply to you with the SRO or your accountant.
Not always. Some existing loans can be split cleanly and some cannot. We check what your current loan allows before suggesting a change.
Yes. Debt recycling can fund shares or exchange traded funds as well as property. Your financial adviser recommends the assets, and we arrange the lending to hold them.
All of greater Melbourne and nearby regional areas such as Geelong and the Mornington Peninsula. Everything runs by phone and video, so distance is not a barrier.
No. The first call is free and has no obligation, and it happens by phone or video.
Your current loan may not recycle cleanly. We refinance to a split-friendly lender so debt recycling works from day one, without adding to total debt.
Read more → SERVICEDebt recycling into a diversified share and ETF portfolio: liquid, low-cost and income-producing. How we structure the loan for a share-based strategy.
Read more → GUIDELearn how debt recycling loan splits work, how many may be needed and why clean sub-accounts matter for tracing investment interest.
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
