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...
Long time lurker, first time poster. My question relates to implementing debt recycling in a family trust. Private Assets PPOR: 500k Home loan...
I'm looking at kicking off debt recycling and have split my home loan in two ready for this (note: not planning to leverage, only recycle). I...
G'day all, Firstly I'd like to thank everyone on this great forum, the resources and comments are invaluable! I am in the process of refinancing...
Hi I have a couple of loans with CBA and quite happy with them. Is it possible to refinance with the same bank just on increase the loan term...
Am looking at a Investment Property and having talked to my bank and Mortgage broker as well and looking for the ideal Loan structure.I'm in a...
If I have an equity release which is a separate loan and half has been used to buy an investment property. I would like to use the other half to...
Hi all I’m looking to refinance my PPOR for debt recycling purposes as I want to put my offset funds into shares. Current loan is ~$242K, I...
There are probably a lot more to consider but 3 of the main things that I see are a) Break Costs If you fixed at the wrong time you would be...
Yesterday I came across someone who did some debt recycling before taking advice. He had inadvertently reduced the amount of tax he could claim...
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