We set up debt recycling loans for Sydney homeowners by phone and video. We have no Sydney office. Our only office is in Coorparoo, Brisbane, and you are welcome there by appointment.
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Debt Recycling Loans is powered by Kingfisher Finance Group, a Brisbane mortgage brokerage that focuses on debt recycling. We do not have an office in Sydney. We work with Sydney homeowners by phone, video and email.
If the strategy is new to you, our guide to how debt recycling works covers the basics. In short, it aims to turn non-deductible home loan debt into borrowing used to invest, through a separate loan split.
Every step from the first call to settlement can happen remotely. If you would rather meet face to face, you are welcome at our Coorparoo office in Brisbane by appointment.
Brisbane stays on Australian Eastern Standard Time (AEST) all year, because Queensland does not observe daylight saving. NSW does, so the gap between us changes twice a year.
| Period | Time in Sydney | Time in Brisbane |
|---|---|---|
| First Sunday in October to first Sunday in April | 10am | 9am |
| First Sunday in April to first Sunday in October | 10am | 10am |
This season, the NSW Government lists daylight saving as running from Sunday 4 October 2026 to Sunday 4 April 2027. When you book a call, check whether the time shown is Sydney time or Brisbane time.
We work with homeowners across Greater Sydney, including:
Your suburb does not decide whether debt recycling suits you. Your equity, income, tax rate, cashflow and time horizon do, and those are what we look at.
Australian Bureau of Statistics (ABS) lending figures put the average new owner-occupier home loan in NSW at $842,000 for the June quarter 2026. The national figure was $731,000.
The interest on a home loan is paid from after-tax income. Debt recycling aims to reduce that non-deductible debt over time. Whether it suits you depends on your own numbers and your comfort with investment risk, not the state average.
Debt recycling can fund shares, managed funds or an investment property. If your adviser's plan involves property in NSW, state taxes come into it.
We do not quote thresholds or rates here. Check the current rules with Revenue NSW and ask your accountant how land tax fits your plan. Our page on debt recycling with an investment property covers the lending side.
You can keep the accountant and financial adviser you already use in Sydney. We coordinate with them by phone and email, so the loan matches the plan they help you set.
We arrange the lending only. Your licensed financial adviser recommends what to invest in, and a registered tax agent or accountant confirms whether the interest is deductible for you. This page is general information, not advice.
For the full process, read what working with Alex involves, from the first call through to settlement and beyond.
The first call is free, has no obligation and happens by phone or video. We talk through your goals, current loan, income and savings.
It helps to have these handy:
If it fits, we explain how we structure the loan so the investment split stays separate from your home debt.
You come away knowing whether the lending side looks workable and what happens next.
You can set up debt recycling from Sydney without visiting Brisbane. The calls, documents and structure review happen by phone, video and email, and our Coorparoo office is there by appointment if you want it.
Allow for the one-hour gap between October and April, check NSW land tax if property is part of the plan, and bring your accountant and adviser in from the start.
A free, no-obligation phone or video call about your loan, your equity and whether the lending side looks workable.
Request a Call With Alex →Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
Only from the first Sunday in April to the first Sunday in October. During daylight saving, Sydney is one hour ahead because Queensland does not change its clocks.
All of Greater Sydney, from the Northern Beaches and North Shore to the Sutherland Shire and Western Sydney. We work by phone and video, so your suburb does not limit where we can help.
The home you own and live in most of the time may be eligible for the principal place of residence exemption. Revenue NSW sets the rules, so confirm your situation with them or your accountant.
It can fund income-producing investments, including property, if that fits the plan your adviser sets. State costs such as land tax may apply, so include them when you run the numbers with your accountant.
Callback requests are returned within one business day. The first call is free and has no obligation.
No. We arrange the lending. Your licensed financial adviser recommends the investments, and your accountant or registered tax agent confirms the tax side.
Work with Alex Gee, a debt recycling mortgage broker at Kingfisher. Discuss your goals, review your loan options and plan the next steps. Book a free call.
Read more → SERVICEHow a debt recycling loan is structured: the splits, sub-accounts and redraw setup that keep your deductions clean. Done for you by a specialist broker.
Read more → GUIDELearn the correct debt recycling setup order: equity, loan splits, redraw, investing, tax-refund cycles and records that support your deductions.
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.
Next Step
Talk it through with Alex
Bring a rough picture of your home loan, income and savings. You will come away knowing whether the lending side looks workable.
Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
