Checklists, worksheets and templates for every stage of debt recycling, from checking you are ready to winding the strategy down. Free to download and print.
Home › Resources
Check whether debt recycling suits you before anything changes.
Fourteen yes or no questions that show whether debt recycling fits your position today, or what to sort out first.
Download →WorksheetOne page to work out the after-tax cost of your investment loan, and whether your expected return clears it.
Download →ChecklistTwo pages listing the documents most lenders ask for when you split, refinance or release equity for debt recycling.
Download →ChecklistDebt recycling crosses lending, tax and investing.
Download →Set up the loan so the interest stays deductible from the first dollar.
The order money moves when you start debt recycling, with a transfer log to record every tranche.
Download →ChecklistThe loan features debt recycling depends on, in a table you can fill in for your current loan and two alternatives.
Download →DiagramOne diagram showing how a debt recycling loan is split, where the offset and redraw sit, and which way the money moves.
Download →ChecklistThe costs to count and the steps to get right when you change lenders to start or continue debt recycling.
Download →Keep the records that prove the deduction, year after year.
A spreadsheet that follows every borrowed dollar from your investment split to the asset it bought.
Get it free →ChecklistEverything your accountant or tax agent needs at 30 June, in one pack, with a fill-in interest summary for each loan split.
Get it free →ExampleSix months of a filled-in ledger: a $50,000 recycle, then $2,000 a month, with every balance reconciled.
Download →CardOne page of do's and don'ts to keep next to your banking app.
Download →Review the strategy each year, when life changes and when it is time to stop.
A once-a-year check on the loan, the splits, the cash flow and the next cycle.
Download →ChecklistWhat to check when income drops, a fixed or interest-only term ends, or a relationship changes.
Download →ChecklistWhen to stop recycling, whether to keep or clear the deductible split, and what to arrange before the last payslip.
Download →ChecklistDeductibility follows what the borrowed money bought, not the house securing it.
Download →Estimates in your browser, assumptions shown.
Property value, loan, equity and tax bracket in about 90 seconds, with a personal snapshot.
Open calculator →CalculatorThe return an investment needs to cover its after-tax interest cost.
Open calculator →CalculatorYour monthly surplus two ways, side by side over the years you choose.
Open calculator →CalculatorWhen your non-deductible home loan could be cleared, with and without recycling.
Open calculator →CalculatorWhat recycling a bonus, inheritance or savings does to your interest and tax.
Open calculator →CalculatorThe tax value of a deductible investment split at 2026-27 rates.
Open calculator →When the next step is a different loan, or a different loan comes before debt recycling.
The equity in your home can fund the deposit and costs on an investment property without touching your savings.
See how it works →Home loanA bridging loan lets you buy your next home before your current one sells, so the purchase does not hang on the sale date.
See how it works →Home loanA knockdown rebuild loan funds a new home on land you already own, paid out in stages as the builder completes each part.
See how it works →Home loanFamily can help you buy in two main ways: a gifted deposit, or a guarantee secured by their property.
See how it works →Home loanIf part of your pay arrives as restricted stock units or employer shares, many lenders can count it, but only once their credit team agrees how.
See how it works →Home loanIf some or all of your income is earned overseas, lenders differ widely on whether they count it, how much of it they count and how much they will lend.
See how it works →Home loanRolling credit cards, personal loans and car loans into your home loan can cut your monthly repayments sharply.
See how it works →Home loanTax debt keeps compounding while it sits with the ATO.
See how it works →Tell us about your loan and what you want to achieve. We will tell you what the lending side looks like, and when debt recycling is not the right fit.
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.
