Fourteen yes or no questions that show whether debt recycling fits your position today, or what to sort out first.
Home › Resources › Debt Recycling Readiness Checklist
Debt recycling suits a particular set of circumstances. This checklist turns the signs in our guide on when not to debt recycle into questions you can answer in ten minutes.
It suits home owners weighing the strategy for the first time, and couples who want to compare answers before speaking with a broker.
Use it before your first call, then again once a buffer is built or a job change settles. Most "no" answers are timing issues, not permanent barriers.
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 →One or two is not a hard no. Three or more is usually a sign to wait and work on those areas first. A no on stable income, cash buffer or usable equity carries more weight than the others, because those are what let you hold the strategy through higher rates and market falls.
No. It is general information that shows whether the common foundations are in place. Whether the strategy suits you depends on your full circumstances. A financial adviser assesses suitability, a registered tax agent confirms the tax treatment and we confirm what the lending allows.
Usable equity builds through principal repayments and, sometimes, property growth. Debt recycling is usually done in small tranches, so a modest amount can be enough to begin. Rerun the equity sum each year, or ask a broker to confirm your figure against a current valuation.
The eight signs it is better to wait, explained in full.
Read more → GUIDEUsable equity versus equity on paper, with a worked example.
Read more → RESOURCECheck whether the numbers work once the foundations are in place.
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.
