Wondering why this is a silly strategy as I've never seen it mentioned. Say you have some loan splits for your PPOR @ OO rates of 2%. And you...
Reading more and more about debt recycling has made me even more curious. Say $1m P&I loan with CBA, 30% var (300k), 70% fix for 2 years (700k) on...
Planning to set up a DR strategy with my PPOR and a LOC (master limit). But looking at integrating under an existing discretionary trust with...
Hi Team, I'm refinancing my PPOR and getting another 50k in the process. I buy shares on a regular basis and may want to pay down my car debt...
Hi, Just wanted to check whether this was the case, but our current PPOR is under both my name and my wife as joint tenants. We intend to...
I haven't seen this come up, but assuming there's a simple explanation: If you own a PPOR 50-50 with your spouse. And debt recycle 100k to invest...
Some think debt recycling is risky. But they are confusing investing and debt recycling. Investing can be risky – no doubt about that. But if you...
Tax tip 342: Tax Issues with Loan Recycling I mentioned that it is possible to recycle loans – that is keep the loan open when the asset it was...
For your PPOR, what is the benefit of having an offset account vs debt recycling via loan splits? For example if you are an OO, and have a P&I...
Hi, I am about to pay a loan split down to $0. I don’t want to get close the loan as I want to renovate with the money. I have spoken to the bank...
If person A borrows money but person B uses that money to invest then the interest will not be deductible. Person A derives no income from the...
Where a person is currently renting where they live and are planning on moving into the property at some future date then it is possible to debt...
You have heard of debt recycling, but what about ‘Loan Recycling’? It is the reuse of a loan for something other than it was originally used for....
Hi, I'm looking to buy my first investment property in the next 3 months. I already have a PPOR and have been building up cash in the offset for...
Hi everyone, I have 2 x IP's. And currently have about $50K in an offset account. The first IP I used equity to finance the second IP. A split...
If a reasonable portfolio of shares (eg. approx. $100K) were previously purchased using someone's own money and there is no tax-deductible debt...
I've left a message for my tax guy to call me back but I wanted to have a better understanding of debt recycling so I'll ask for help here! I'm...
We have about $100K we want to invest, and would like to implement debt recycling. How could it work if the mortgage on our PPOR is $1.32M in 4...
When debt recycling with small amounts it is easy to end up with a mixed loan due to the fact that the minimum loan size being higher than the...
Hi, After reading virtually all posts on this topic, I am still a bit confused on how to implement Debt recycle strategy on a monthly/quarterly...
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