Home & Investment Lending
Splits, offsets and redraw — done right.
Optimise features and pricing while keeping investment purposes clean and auditable.
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Debt recycling is a strategy that gradually converts non-deductible home debt into deductible investment debt while you build an investment portfolio. We design smart loan splits, automate cash flow and coordinate advice so the plan works in real life.
Debt recycling uses your home equity and surplus cash flow to invest while rapidly reducing your owner-occupied loan. Over time, your non-deductible debt falls, and your investment loan (potentially tax-deductible — get advice) replaces it.
Illustrative example (simplified): Home loan $600k (OO). We split into $400k (home) + $200k (investment). You direct $2,000/mth surplus to the home split and invest $50k from an investment split. Distributions/tax refunds reduce the home split quicker; you periodically reborrow to invest again. Over years, the home split trends toward $0 while investments grow (market risk applies).
We compare lenders, features and policy to keep your records clean and cash flow smooth.
Create dedicated sub-accounts for personal vs investment use. Makes accounting clear and avoids mixing purposes.
Use a separate LOC purely for investments. Draw as opportunities arise; pay interest only on amounts used.
Salary and rents land in offset against the home split. Automatic sweeps push surplus to principal.
We coordinate with your accountant/financial adviser on structure, record-keeping and investment strategy.
Important: Debt recycling involves investment risk and may not suit everyone. Always obtain independent tax and financial advice. We’ll structure the lending and keep your records clean.
A clear, advice-led roadmap — from structure to ongoing reviews.
Clarify timelines, buffers and investment approach with your adviser. Confirm suitability first.
Order up-front valuations and assess LVR/serviceability for new splits or LOC (target ≤80% LVR).
Establish dedicated splits, offsets and automation. Keep investment facilities ring-fenced.
Invest in line with your advice. Maintain receipts and strict purpose records for deductibility.
Channel surplus cash, distributions and refunds to the home split; periodically reborrow to invest.
Annual pricing checks, risk review, rebalancing and documentation tidy-ups with your adviser.
Plan for rate shocks or market downturns (buffers, pause rules, de-gearing plan, insurance).
Straight answers to the most common questions.
Deductibility depends on the purpose of the borrowed funds and clean record-keeping. We keep facilities separated and recommend independent tax advice.
Most clients aim to keep total lending at or under 80% LVR to avoid LMI. Individual lender policies and your servicing will apply.
Market volatility, rising interest rates and inadequate buffers can impact outcomes. We build safeguards, run stress tests and coordinate professional advice.
Not always. Many clients use split loans with redraw. LOCs offer flexibility but require discipline to avoid mixed-purpose spending.
Yes. You can pause reborrowing, hold cash in offset, or de-gear. We’ll help you pivot as life and markets change.
“Debt recycling only works when the lending structure, automation and advice line up. We keep your splits clean, your buffers healthy and your paperwork rock-solid.” — Quinto White
From valuations and lender selection to yearly pricing reviews, our team makes the complex simple — and auditable.
Separate, purpose-built facilities with offset and redraw configured for clarity.
Cash-flow rules that funnel surplus to the right place while preserving safety nets.
Panel comparison for policy fit, rates and fee efficiency — reviewed annually.
We bring precision, discipline and a team approach.
Splits, LOC and offsets designed to keep investment and personal use clearly separated.
Stress-tested scenarios and automation reduce behavioural and interest-rate risk.
We coordinate with your accountant/financial planner for a compliant, joined-up plan.
Get structure, buffers and lender selection sorted — with clean documentation and advice coordination.
Build the right platform for your strategy.
Splits, offsets and redraw — done right.
Optimise features and pricing while keeping investment purposes clean and auditable.
Explore Loan OptionsPotential LMI waivers & policy benefits.
Selected careers may access higher LVRs or fee concessions — useful when establishing splits/LOC.
See Professional LoansStructure for growth with resilience.
Align lending features with your renovation, build or sustainability plans as you invest.
View Finance OptionsPortfolio growth with guardrails.
Coordinate lending with your adviser for long-term portfolio design, buffers and risk management.
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