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Picture Book · Debt recycling

Your home on the line

Story pages

A couple in their fifties sitting on the front steps of a timber house with cups of tea
Meet Rosa and Dev. They own their home and have most of it paid off.
A front door with a sturdy brass lock and a welcome mat with no writing
With debt recycling, the borrowing is usually secured against the family home.
Storm clouds gathering over a suburban rooftop
If investments go badly and they can't keep up repayments, they could lose their home.
A half-filled glass jug of water on a table
Moneysmart suggests borrowing less than the most a lender will offer.
A small umbrella leaning beside a front door
And keeping a cash buffer for repayments if things go wrong.
A couple in their fifties walking hand in hand along a quiet street at dusk
Rosa and Dev decide how much risk they can genuinely sleep with.

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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Want this for your situation?

Every situation is different. 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

Keep exploring: More debt recycling stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners