I've been lurking these forums for a while now, and have came up with a bit of a plan and a couple of questions regarding it, would appreciate any help.. I wrote out the whole scenario, but decided to delete, was way too long-winded. The end result after debt recycling is this: 400k PPOR PI loan is completely paid out. The Property/House is owned. Replaced with a 400k LOC loan that was used to invest in long-term stocks with decent dividend returns (4-7%). My question is, NOW WHAT? 1. I either use my dividend returns from my 400k portfolio to pay off the interest and principal of the LOC loan... 2. I partially use the dividends to pay purely the interest of the LOC loan and reinvest the remainder. 3. I reinvest ALL the dividends returns back into the stock, compounding the portfolio further and pay the interest of the LOC loan indefinitely.