Six months of a filled-in ledger: a $50,000 recycle, then $2,000 a month, with every balance reconciled. Illustrative example, not a real client.
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A blank template is easier to use once you have seen one filled in. This example follows a fictional household for six months: a $50,000 lump-sum recycle, five monthly cycles of $2,000 and one distribution paid onto the home loan.
Every figure is round and illustrative. The point is the method. Each paydown, draw and income payment gets its own row and its own evidence, and the deductible balance always equals the money drawn to invest.
Use it alongside the blank debt recycling tracing ledger.
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 →Income is paid onto the home split, which is non-deductible. It reduces private debt, not investment debt, so the deductible balance stays where it was. Only a draw to invest raises it, and only a principal repayment on an investment split lowers it.
A separate split for each round of investing gives it a clean start date and a clear record of what it bought. Keeping the $50,000 lump sum and the monthly program apart makes the trail easy for your tax agent to follow. How many splits suit you depends on your lender and plan.
No. Policies vary and change. Some lenders let paid-down limit move to an investment split without a new application, while others need a variation or credit assessment each time, which makes monthly cycles impractical. We check this before you decide how often to recycle.
The blank spreadsheet template behind this example.
Read more → GUIDEHow a $50,000 recycle moves, in the order Alex sets it up.
Read more → GUIDEWhy each tranche is cleaner in its own split.
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.
