A once-a-year check on the loan, the splits, the cash flow and the next cycle. Run it before you recycle another dollar.
Home › Resources › Annual Strategy Review Checklist
Debt recycling runs for years, and each further amount should follow a fresh review. Our guide to debt recycling step by step sets that review at least annually, and sooner if your income changes, you take leave, a fixed rate ends or you plan to move.
The checklist splits the review by who owns each part. We check the lending, your tax agent checks the tax position and your financial adviser checks the investments.
A higher valuation is not by itself a reason to borrow again. Any further step needs to fit your budget and the agreed plan.
Alex can look at how your loan is set up and tell you what would need to change. Free, no-obligation call, by phone or video.
Request a call with Alex →Review sooner when your income changes, you take parental leave, a fixed rate or interest-only term is ending, or you plan to sell or move. Each one changes what a lender will approve, and options are easier to arrange while your income still supports them.
Not by itself. Equity is only part of the picture. A further cycle needs to fit your budget, your buffer and the plan agreed with your adviser, and any new lending is assessed on your income and the lender's policy at the time.
What to check when income, rates or relationships change.
Read more → GUIDERunning the strategy through real life without breaking it.
Read more → RESOURCEThe records your tax agent needs each year.
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.
