Went to a Peter hornhill presentation a couple of weeks ago. Looking to consider a loan restructure to debt recycle using LICs. Purchased property for 900,000 December 2018 PPOR Loan 350,000 (P&I, variable, 2.77%) First split would be: Loan 330,000 Split 20,000 Just looked at the AMP professional package for loans split flexibility. Using their comparison calculator I would be paying an additional $1,800 a year to access this product. Their P/I rate is 3.57 Return of a first split invested into LICs would be well below additional repayments to use the AMP product. Can anyone recommend a spreadsheet/calculator so I can get my uneducated head around debt recycling? Having a global view of the inputs/outputs needed to assess the strategy would be appreciated. Unfortunately I have the average intelligence of a Labrador woof woof, so any assistance is appreciated.