Hi.I have $50k equity that I want use to build a share portfolio for debt recycling and would be interested in hearing from other people who do it. The plan is to use debt recycling to pay down the mortgage and eventually grow a portfolio big enough to live off. No plans to turn the home into a rental. From what I've read a line of credit seems to be the way to finance this but my mortgage is with ING, who don't offer LOCs. The financial planner says a LOC is better although a loan with a offset would be ok to start with. But the mortgage broker says it doesn't make a difference whether it's through a LOC or a second loan with an offset account. Is this correct?