We structure debt recycling loans for Perth homeowners by phone and video. We have no Perth office, so every call is booked in Perth time and documents move by email.
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Debt Recycling Loans is powered by Kingfisher Finance Group, a Brisbane mortgage brokerage founded by Alex Gee. We do not have a Perth office. We work with Perth homeowners by phone and video, and in-person meetings are at our only office, 82 Leicester Street, Coorparoo, by appointment.
New to the strategy? Our guide to how debt recycling works covers the basics. In short, you gradually swap non-deductible home loan debt for investment debt, held in its own loan split.
Interest deductibility is an ATO matter, so the rules are the same in Perth as in Brisbane. Only interest on borrowing used for an income-producing purpose is deductible. If a loan is used partly for private spending, the interest has to be apportioned between the two purposes.
Perth is two hours behind Brisbane. Neither Western Australia (WA) nor Queensland uses daylight saving, so the gap stays at two hours all year.
| Time in Perth | Time at Our Brisbane Office |
|---|---|
| 8 am | 10 am |
| 10 am | Noon |
| 12.30 pm | 2.30 pm |
| 3 pm | 5 pm |
When you request a callback, tell us the Perth times that suit you. We call back within one business day, by phone or video.
We can help homeowners anywhere in greater Perth, including the Joondalup, Stirling, Subiaco, Fremantle, Melville, Canning, Swan and Rockingham council areas.
Whether debt recycling suits you depends on your equity, income, tax rate, cashflow and time horizon, not your postcode. We make no assumptions about property values or growth in any area.
The first conversation covers your goals, current loan, income and savings, plus what you want the lending to do over the next few years.
Before suggesting a move, we check whether your existing loan can hold a separate investment split. Our panel of more than 40 lenders includes Bankwest and Commonwealth Bank.
Bankwest began in 1895 as the Agricultural Bank of Western Australia and is now a division of Commonwealth Bank. Whichever lender you are with, the test is the same: can the loan keep investment borrowing apart from private borrowing?
If it cannot, we compare staying with moving and set out the costs of each path before you commit. See what working with Alex involves at every stage, from the first call to settlement.
Some people put an investment split toward a property rather than shares. If that property is in WA, state taxes come into play in addition to the lending, and RevenueWA handles them.
Thresholds and rates change, so check RevenueWA's current figures with your accountant before you buy. Our page on debt recycling with an investment property explains how the loan side is set up.
Three roles keep debt recycling on track, and each stays with the right person:
We coordinate with your accountant and adviser by phone and email, wherever they are based. To see the split and redraw rules we build in, read how we structure a debt recycling loan.
Debt recycling from Perth follows the same ATO rules as anywhere in Australia. What changes is the clock, and the state taxes if your split buys WA property. Book a free call at a Perth time that suits, and you will come away knowing whether the lending side looks workable and what happens next.
Request a free, no-obligation call and tell us the Perth times that suit 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
Calls are booked in Perth time. Perth is two hours behind Brisbane all year, so a 10 am call in Perth is noon at our Coorparoo office.
The income tax rules are the same, because the ATO sets them nationally. What differs are state taxes such as land tax and transfer duty, which matter if your investment split buys property.
RevenueWA handles transfer duty on the purchase and land tax on land other than your home. Property in the Perth metropolitan area can also attract metropolitan region improvement tax.
Possibly. Bankwest is on our panel, and we check whether your current loan can hold a separate investment split before suggesting any change.
Within one business day of your request, by phone or video. Tell us the Perth times that suit you when you ask.
No. RevenueWA describes it as imposed on property in the Perth metropolitan area, in addition to land tax. Land elsewhere in WA can still attract land tax.
Debt recycling for home owners: reduce non-deductible home loan debt while building an investment portfolio. How it works, a worked example, risks and FAQs.
Read more → GUIDELearn the correct debt recycling setup order: equity, loan splits, redraw, investing, tax-refund cycles and records that support your deductions.
Read more → GUIDEDebt recycling through property, answered: equity, usable equity calculations, redraw vs offset, negative gearing, costs, refinancing and what to prepare.
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
