Practical, plain-English guides covering the strategy end to end — how it works, the tax mechanics, the risks and the setup. General information only, not financial advice.
How debt recycling turns a non-deductible home loan into tax-deductible investment debt — without borrowing a cent more — and the type of homeowner it actually suits.
Read the guide →The two strategies side by side over 20 years, and why the after-tax cost gap — not the headline interest rate — usually decides the winner.
Read the guide →Australian dividends arrive with 30% company tax already paid. Here's how those franking credits cut your tax bill and speed up the repayment loop.
Read the guide →From asking your lender for a loan split to keeping the deductible (DL) and non-deductible (NDL) portions clean — the practical setup the ATO expects.
Read the guide →The new marginal brackets, the 2% Medicare Levy, and why your tax rate is the single biggest lever on how quickly debt recycling works for you.
Read the guide →Your effective borrowing cost can sit under 4% after tax. We compare it against long-run ASX 200 returns to find where the break-even point lands.
Read the guide →Markets fall, rates rise, and the debt stays. A clear-eyed look at sequencing risk, cash-flow pressure, and the buffers that keep you in the game.
Read the guide →Loan contamination, redrawing into the wrong account, sloppy records — the avoidable errors that turn deductible interest into a denied claim.
Read the guide →Why income-producing, franked assets fit the strategy best, and how to think about diversification, fees and franking when you build the portfolio.
Read the guide →The 50% CGT discount, timing your sale, and how capital gains interact with the loan you've been recycling for years.
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