Picture Book · Debt recycling
Debt recycling, in pictures
Turning home-loan debt into investment debt, carefully. Pick a story and flip through it.
The big idea
Swapping home-loan debt for investment debt, step by step.
6 pictures · about 1 minute
Purpose counts
What the borrowed money is used for decides the tax.
6 pictures · about 1 minute
A redraw is a new loan
Why each redraw is judged on its own.
6 pictures · about 1 minute
Don't mix it
Why mixed loans make life harder.
6 pictures · about 1 minute
Offset or redraw?
Two accounts that look alike but are treated differently.
6 pictures · about 1 minute
Losses get bigger too
Borrowing makes good and bad years larger.
6 pictures · about 1 minute
Your home on the line
Why the security matters.
6 pictures · about 1 minute
When rates rise
Testing the plan against higher interest.
6 pictures · about 1 minute
When income dips
Planning for the years investments pay less.
6 pictures · about 1 minute
When you sell
Capital gains, time held, and the changes from July 2027.
6 pictures · about 1 minute
Want this for your situation?
The stories explain the idea. One of our advisers can help you work out what applies to you.
Book an appointment with one of our advisersor call 07 3262 6585
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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.