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Picture Book · Debt recycling

Don't mix it

Story pages

A couple in their late thirties carrying beach towels along a sandy track to the sea
Meet Ben and Aisha. They used one loan account for both a holiday and some shares.
Two colours of paint swirling together in a single tin
That makes it a mixed-purpose loan.
A round fruit pie on a table with one slice cut out
The interest then has to be apportioned between the private part and the investment part.
A pair of scales on a kitchen bench
Repayments reduce both parts proportionally, so the split doesn't simply improve over time.
A neat stack of folders on a shelf beside a desk lamp
The ATO accepts a fair and reasonable method, such as a monthly calculation, backed by good records.
A couple in their late thirties smiling while planting a small tree together in a backyard
Next time, they plan to keep the investment borrowing in its own separate split.

The end

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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.

Information as at 27 October 2026. Sources:

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