Our Founder

Alex Gee

Director and Mortgage Broker, Kingfisher Finance Group. The broker behind every debt recycling structure we set up.

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Alex Gee, Director & Mortgage Broker at Kingfisher Finance Group
Director & Mortgage Broker
Kingfisher Finance Group
6+ years in business
160+ five-star Google reviews
Kingfisher Finance Group
ACR 522680 ยท ACL 387025

Alex is the founder of Kingfisher Finance Group, a strategy-first mortgage brokerage that helps clients navigate complex lending scenarios with confidence. Alex works with clients to structure lending that supports both their immediate property goals and their long-term wealth creation.

He has built a reputation as a specialist in self-employed and business owner lending, complex lending scenarios, bridging finance for upgraders, and debt recycling strategies. Alex focuses on solutions where experience and strategy make the biggest difference.

With more than six years in business and 160+ five-star Google reviews, Alex has helped hundreds of Australians secure finance through a personalised, highly strategic approach. He is known for solving lending scenarios that other brokers or lenders may struggle to structure, while delivering a smooth, proactive experience from enquiry through to settlement.

At Kingfisher, the focus is not just on getting a loan approved. It is about building the right lending strategy for today while creating opportunities for tomorrow. Alex provides tailored advice backed by experience, strategy and genuine care.

Areas of Expertise

  • Debt recycling strategies
  • Self-employed & business owner lending
  • Complex lending scenarios
  • Bridging finance for upgraders

Connect with Alex on LinkedIn

Why Debt Recycling

Debt recycling sits at the intersection of two things Alex does best: precise loan structuring and long-term strategy. Done properly, it is one of the most powerful tools an Australian homeowner has to turn a non-deductible home loan into a tax-deductible investment position, without taking on more total debt. Done carelessly, a single contaminated split can void years of deductions. That gap between the two outcomes is exactly why Alex built a specialist offering around it.

Every structure is built around coordinating with each client's accountant and financial planner from the first conversation, not after the loan settles. Loan splits are matched to the investment plan already in place, and tracing is confirmed before the first dollar is redrawn.

Written by Alex Gee

Debt Recycling Property FAQ

Debt recycling through property, answered: equity, usable equity calculations, redraw vs offset, negative gearing, costs, refinancing and what to prepare.Updated

Debt Recycling Step by Step With Our Mortgage Broker Alex Gee

See how mortgage broker Alex Gee helps set up debt recycling, from checking your home loan and costs to arranging splits and coordinating with your advisers.Updated

Debt Recycling With Existing Shares

Already own shares or ETFs? What to review with your broker, accountant and adviser before changing your loans to debt recycle, with a client example.Updated

Starting Debt Recycling With Savings

How to start debt recycling with offset savings, a bonus or an inheritance: loan splits, redraw, tracing, cash buffers and worked examples.Updated

Which Lenders Support Debt Recycling?

Which lenders support debt recycling? Compare loan features, borrowing capacity, refinancing costs and why lenders decline, with worked lending scenarios.Updated

Debt Recycling and Retirement: Winding Down the Strategy and Unwinding the Investment Loan

When to stop debt recycling before retirement, whether to keep or clear the deductible split and how the 2027 capital gains tax change alters your exit timing.Updated

Interest-Only Expiry in Debt Recycling: What It Means for Your Investment Split

Your interest-only term is ending. What reverting to principal and interest does to your deductible balance and whether a lender will extend it.Updated

Pay Down the Investment Property or Debt Recycle the Home Loan First?

Already own a rental and a home loan? Which debt to attack first, why non-deductible usually wins and the 2026 changes that flip the order.Updated

Refinance Debt Recycling: Moving an Existing Deductible Split to a New Lender

Refinancing with splits already running? What to replicate at the new lender, what to document and how a deductible split gets merged by accident.Updated

Debt Recycling for Couples: Whose Name Should the Investments Be In?

How joint, sole and split ownership change the deduction, the income and capital gains tax when couples debt recycle in Australia. Guide by a licensed broker.Updated

Debt Recycling Income Drop: Parental Leave, Redundancy and Reduced Hours Mid-Recycle

Income dropped mid-strategy? Hold, pause, restructure or unwind an investment loan split through parental leave, redundancy or reduced hours in Australia.Updated

Fixed Rate Debt Recycling: What Happens When Your Fixed Rate Ends Mid-Strategy

Why a fixed loan cannot be split for debt recycling, what a break cost actually costs, and how to time the recycle around your fixed rate expiry.Updated

Selling the Family Home Mid-Strategy: What Happens to Your Deductible Debt When You Move

Selling the family home mid-strategy? Deductibility follows the borrowing, not the property. How portability and settlement affect your investment split.Updated

A worked debt recycling example: $600k mortgage

See an illustrative $600,000 mortgage debt recycling example, modelled year by year with clear assumptions and a negative-market scenario.Updated

Debt recycling and capital gains tax

Understand how selling debt-recycling investments may affect CGT, the loan balance and exit planning. General information for Australians.Updated

Debt recycling loan splits explained

Learn how debt recycling loan splits work, how many may be needed and why clean sub-accounts matter for tracing investment interest.Updated

Debt recycling risks, the honest list

Understand debt recycling risks, including market falls, higher rates, cash-flow pressure, tax errors and using your home as security.Updated

Debt recycling vs extra repayments

Compare extra mortgage repayments with debt recycling across certainty, tax treatment, liquidity, investment risk and long-term outcomes.Updated

Debt recycling vs negative gearing

Debt recycling vs negative gearing: how they differ, what each aims to achieve and what the 2026 Budget changed for property investors.Updated

Debt recycling vs salary sacrificing to super

Compare debt recycling with salary sacrifice to super across tax, access, leverage, risk and time horizon for Australian households.Updated

Debt recycling when interest rates are high

Learn how higher interest rates affect debt recycling costs, cash flow and hurdle returns, and what to stress-test before proceeding.Updated

How long does debt recycling take?

How many years debt recycling can shave off a mortgage, and what speeds it up or slows it down. Illustrative timelines by a licensed Australian broker.Updated

How much equity do you need to start?

How 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.Updated

How to set up debt recycling: step by step

Learn the correct debt recycling setup order: equity, loan splits, redraw, investing, tax-refund cycles and records that support your deductions.Updated

Is debt recycling tax-deductible?

Learn when investment-loan interest may be deductible under ATO principles, including the purpose test, tracing and common setup errors.Updated

Is debt recycling worth it?

Use a hurdle-rate framework to explore when debt recycling may or may not be worthwhile, including borrowing costs, tax and investment returns.Updated

Realistic returns from debt recycling

Explore realistic debt recycling returns, borrowing costs, tax effects and sequencing risk without relying on promised investment outcomes.Updated

Record-keeping for debt recycling

A practical guide to the records and transaction trail needed to support interest deductions associated with debt recycling.Updated

The redraw contamination trap

See how redraw contamination creates mixed-purpose debt and the practical loan setup and transaction controls that can help prevent it.Updated

What to invest in when debt recycling

Compare ETFs, LICs, direct shares and managed funds for debt recycling, focusing on income purpose, diversification, costs and risk.Updated

When not to debt recycle

Debt recycling is powerful but it isn't for everyone. The situations where you should wait or walk away, from a licensed broker who says no when it doesn't fit.Updated

7 Debt Recycling Mistakes That Can Void Your Tax Deduction

Learn seven structural debt recycling mistakes that may put interest deductions at risk, including mixed splits, redraw and parked funds.Updated

Debt Recycling vs Offset Account: Which Builds Wealth Faster?

Compare an offset account with debt recycling across certainty, tax, access to funds, investment risk and the option of a hybrid approach.Updated

Structure your debt recycling with Alex and the team

A free, no-obligation conversation about whether the strategy fits your situation. See what working with Alex as your debt recycling broker involves.

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Client Reviews

What Our Clients Say

5.0★★★★★173 Google reviews
Francois Schwartz
★★★★★
Google

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.

Nick Webb
★★★★★
Google

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!

Holly Brooks
★★★★★
Google

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!

Mitchell Bath
★★★★★
Google

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.

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