The loan features debt recycling depends on, in a table you can fill in for your current loan and two alternatives.
Home › Resources › Lender Feature Checklist
No lender sells a product called a debt recycling loan. The strategy runs on an ordinary home loan, provided it lets you split, redraw and keep each purpose separate.
The checklist turns our guide to loan features for debt recycling into a comparison sheet. It lists criteria only, because lender policy changes often and published tables date quickly.
Start with your current loan. If it fails on the features that matter, our page on refinancing for debt recycling explains the next step.
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 →Often, yes. Refinancing is frequently unnecessary when your loan is variable, allows free splits and redraw, and cash or offset savings fund the first tranche. The lender varies the existing loan and total debt stays the same. Fill in the current loan column before comparing others.
Some lenders close a split once it is paid to zero, which removes the facility you intended to redraw from. Paying cash onto a split and redrawing it is a common way to start, so confirm the rule before any funds move, or keep a small balance if the lender requires it.
Lender policy changes often and published comparison tables date quickly. The criteria stay the same, so we list those and confirm current answers with each lender at the time you apply.
Each feature explained, plus why applications are declined.
Read more → SERVICEWhen your current loan cannot split or redraw cleanly.
Read more → RESOURCECosts, structure and timing if you change lenders.
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.
