The Debt Recycling Playbook
Turn your home loan into a tax deductible wealth engine.
Paying off the mortgage isn’t building wealth. This free playbook shows senior tech executives how debt recycling does both, with real numbers from real clients.
2026 Budget update: you can still borrow to invest in ETFs, and the interest is still 100% tax deductible.
- How to turn your home loan into a tax deductible investment loan.
- A worked example, and what $1M can become over the long term.
- How to recycle bonuses, commissions and RSU vests.
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Debt recycling, in plain English.
How turning your home loan into tax deductible investment debt works, and what it could mean for you.
What’s inside
14 chapters. Real numbers.
- What debt recycling actually is
- Why it matters more for tech executives
- How it works: 5 steps
- A worked example
- How I set it up with clients
- The long game: what $1M can become
- Recycling bonuses, commissions and RSU vests
- The tax rules you can’t get wrong
- Who it suits (and who it doesn’t)
- The risks, plainly
- Real clients. Real numbers.
- Addressing common fears
- Your debt recycling checklist
- Next step
Is this you?
This playbook is for you if…
- You’re a senior tech exec or sales leader with household income of $400K or more.
- You’re on the 47% top marginal rate.
- You have at least $1M of equity in your family home.
- You can save $4,000 a month above your minimum home loan repayment.
- Bonuses, commissions or RSU vests mostly sit in your offset.
- Nobody has ever structured your equity properly.
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