Our Team

Jessica Marais

Mortgage & Finance Broker, Kingfisher Finance Group. More than a decade in finance, and the reviewer behind our debt recycling guides.

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Jessica Marais, Mortgage and Finance Broker at Kingfisher Finance Group
Mortgage & Finance Broker
Kingfisher Finance Group
10+ years in the finance industry
Kingfisher Finance Group
ACR 522680 · ACL 387025

Jessica is an experienced Mortgage Broker with more than a decade in the finance industry, helping clients navigate everything from first home purchases through to complex investment and self-employed lending.

Having built a strong reputation for her technical expertise, attention to detail and client-first approach, Jessica combines strategic lending advice with an in-depth understanding of lender policy to deliver tailored finance solutions.

Her extensive background across credit assessment, loan structuring and the end-to-end lending process allows her to confidently guide clients through every stage of their property journey.

Known for her approachable nature and clear communication, Jessica is passionate about making the lending process simple, transparent and stress-free, ensuring every client feels informed and supported from their initial enquiry through to settlement and beyond.

Areas of expertise

  • First home purchases
  • Investment lending
  • Self-employed lending
  • Credit assessment
  • Loan structuring
  • Lender policy

Reviewing our guides

Jessica reviews the debt recycling guides on this site, checking the lending detail against lender policy, loan structuring practice and the end-to-end lending process.

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Reviewed by Jessica Marais

Debt Recycling Property FAQ

Debt recycling through property, answered: equity, usable equity calculations, redraw vs offset, negative gearing, costs, refinancing and what to prepare.Updated 3 October 2026

Debt Recycling Step by Step With Our Mortgage Broker Alex Gee

See how mortgage broker Alex Gee helps set up debt recycling, from checking your home loan and costs to arranging splits and coordinating with your advisers.Updated 3 October 2026

Debt Recycling With Existing Shares

Already own shares or ETFs? What to review with your broker, accountant and adviser before changing your loans to debt recycle, with a client example.Updated 3 October 2026

Starting Debt Recycling With Savings

How to start debt recycling with offset savings, a bonus or an inheritance: loan splits, redraw, tracing, cash buffers and worked examples.Updated 3 October 2026

Which Lenders Support Debt Recycling?

Which lenders support debt recycling? Compare loan features, borrowing capacity, refinancing costs and why lenders decline, with worked lending scenarios.Updated 3 October 2026

Debt Recycling and Retirement: Winding Down the Strategy and Unwinding the Investment Loan

When to stop debt recycling before retirement, whether to keep or clear the deductible split and how the 2027 capital gains tax change alters your exit timing.Updated 17 August 2026

Interest-Only Expiry in Debt Recycling: What It Means for Your Investment Split

Your interest-only term is ending. What reverting to principal and interest does to your deductible balance and whether a lender will extend it.Updated 17 August 2026

Pay Down the Investment Property or Debt Recycle the Home Loan First?

Already own a rental and a home loan? Which debt to attack first, why non-deductible usually wins and the 2026 changes that flip the order.Updated 17 August 2026

Refinance Debt Recycling: Moving an Existing Deductible Split to a New Lender

Refinancing with splits already running? What to replicate at the new lender, what to document and how a deductible split gets merged by accident.Updated 17 August 2026

Debt Recycling for Couples: Whose Name Should the Investments Be In?

How joint, sole and split ownership change the deduction, the income and capital gains tax when couples debt recycle in Australia. Guide by a licensed broker.Updated 4 August 2026

Debt Recycling Income Drop: Parental Leave, Redundancy and Reduced Hours Mid-Recycle

Income dropped mid-strategy? Hold, pause, restructure or unwind an investment loan split through parental leave, redundancy or reduced hours in Australia.Updated 4 August 2026

Fixed Rate Debt Recycling: What Happens When Your Fixed Rate Ends Mid-Strategy

Why a fixed loan cannot be split for debt recycling, what a break cost actually costs, and how to time the recycle around your fixed rate expiry.Updated 4 August 2026

Selling the Family Home Mid-Strategy: What Happens to Your Deductible Debt When You Move

Selling the family home mid-strategy? Deductibility follows the borrowing, not the property. How portability and settlement affect your investment split.Updated 4 August 2026

A worked debt recycling example: $600k mortgage

See an illustrative $600,000 mortgage debt recycling example, modelled year by year with clear assumptions and a negative-market scenario.Updated 24 July 2026

Debt recycling and capital gains tax

Understand how selling debt-recycling investments may affect CGT, the loan balance and exit planning. General information for Australians.Updated 24 July 2026

Debt recycling loan splits explained

Learn how debt recycling loan splits work, how many may be needed and why clean sub-accounts matter for tracing investment interest.Updated 24 July 2026

Debt recycling risks, the honest list

Understand debt recycling risks, including market falls, higher rates, cash-flow pressure, tax errors and using your home as security.Updated 24 July 2026

Debt recycling vs extra repayments

Compare extra mortgage repayments with debt recycling across certainty, tax treatment, liquidity, investment risk and long-term outcomes.Updated 24 July 2026

Debt recycling vs negative gearing

Debt recycling vs negative gearing: how they differ, what each aims to achieve and what the 2026 Budget changed for property investors.Updated 24 July 2026

Debt recycling vs salary sacrificing to super

Compare debt recycling with salary sacrifice to super across tax, access, leverage, risk and time horizon for Australian households.Updated 24 July 2026

Debt recycling when interest rates are high

Learn how higher interest rates affect debt recycling costs, cash flow and hurdle returns, and what to stress-test before proceeding.Updated 24 July 2026

How long does debt recycling take?

How many years debt recycling can shave off a mortgage, and what speeds it up or slows it down. Illustrative timelines by a licensed Australian broker.Updated 24 July 2026

How much equity do you need to start?

How much usable home equity you need before debt recycling makes sense, how usable equity is calculated and why less may be enough than you think.Updated 24 July 2026

How to set up debt recycling: step by step

Learn the correct debt recycling setup order: equity, loan splits, redraw, investing, tax-refund cycles and records that support your deductions.Updated 24 July 2026

Is debt recycling tax-deductible?

Learn when investment-loan interest may be deductible under ATO principles, including the purpose test, tracing and common setup errors.Updated 24 July 2026

Is debt recycling worth it?

Use a hurdle-rate framework to explore when debt recycling may or may not be worthwhile, including borrowing costs, tax and investment returns.Updated 24 July 2026

Realistic returns from debt recycling

Explore realistic debt recycling returns, borrowing costs, tax effects and sequencing risk without relying on promised investment outcomes.Updated 24 July 2026

Record-keeping for debt recycling

A practical guide to the records and transaction trail needed to support interest deductions associated with debt recycling.Updated 24 July 2026

The redraw contamination trap

See how redraw contamination creates mixed-purpose debt and the practical loan setup and transaction controls that can help prevent it.Updated 24 July 2026

What to invest in when debt recycling

Compare ETFs, LICs, direct shares and managed funds for debt recycling, focusing on income purpose, diversification, costs and risk.Updated 24 July 2026

When not to debt recycle

Debt recycling is powerful but it isn't for everyone. The situations where you should wait or walk away, from a licensed broker who says no when it doesn't fit.Updated 24 July 2026

7 Debt Recycling Mistakes That Can Void Your Tax Deduction

Learn seven structural debt recycling mistakes that may put interest deductions at risk, including mixed splits, redraw and parked funds.Updated 21 July 2026

Debt Recycling vs Offset Account: Which Builds Wealth Faster?

Compare an offset account with debt recycling across certainty, tax, access to funds, investment risk and the option of a hybrid approach.Updated 21 July 2026

Talk to Jessica and the team

A free, no-obligation conversation about whether debt recycling fits your situation.

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Client Reviews

What Our Clients Say

5.0★★★★★173 Google reviews
Francois Schwartz
★★★★★
Google

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.

Nick Webb
★★★★★
Google

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!

Holly Brooks
★★★★★
Google

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!

Mitchell Bath
★★★★★
Google

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.

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