Debt recycling is a powerful strategy to accelerate wealth creation by making your existing assets work harder for you. At AxJ Finance Brokers Melbourne, we specialise in structuring tailored solutions that align with your long-term financial goals. With deep industry expertise and access to exclusive lending options, we’re here to help you build a stronger, smarter financial future.
Debt recycling involves converting non-deductible home loan debt into tax-deductible investment debt, allowing you to simultaneously reduce your mortgage while building an income-generating investment portfolio. By strategically using available equity, you can reinvest borrowed funds into growth assets like shares or managed funds — turning everyday repayments into long-term wealth-building opportunities. It’s a disciplined, high-impact approach best navigated with the guidance of professionals who understand the full financial landscape.
No two clients are the same — and your debt recycling strategy should reflect that. At AxJ Finance Brokers, we take the time to understand your current position, future goals, risk tolerance, and cash flow. From there, we develop a structured plan with lending solutions that support ongoing investment while managing risk. Our ASIC registration, MFAA endorsement, and long-standing lender relationships mean you gain access to exclusive rates and flexible terms designed to grow with you.
When executed correctly, debt recycling can help you pay down your mortgage faster, reduce tax liabilities, and create a growing investment portfolio — all without needing to increase your income. It's a strategy used by many financially successful individuals who understand the value of leveraging good debt to build long-term assets. With the right broker by your side, the results can be transformative. We’re here to ensure your structure is sound, your risks are managed, and your goals remain front and centre.
We’re here to help you implement a smart debt recycling strategy with clarity and confidence. New clients can get started online anytime—perfect for busy professionals ready to take control of their finances—while existing clients are encouraged to give us a call for personalised guidance and expert support.
At AxJ Finance Brokers, we provide a premium debt recycling service designed for clients ready to take their wealth strategy to the next level. We simplify the entire process, offering a seamless, expert-led experience backed by deep financial insight. With access to over 40 lenders, our award-winning brokers secure competitive investment loan structures and tailor your strategy with precision—so you can focus on your goals while we optimise the numbers behind the scenes.
Founder & Mortgage Broker
Jason is the principal finance broker at AxJ Finance Brokers. Prior to joining the mortgage industry in 2013, he worked with several real estate agencies and developers in sales and real estate market research.
Outside of the financial world Jason loves spending time with his family and walking the beautiful green areas Melbourne has to offer.
Operations Director
Audrey looks after our people and the culture of our company. She keeps everyone sane and ensures that our organisation is operating effectively.
Loan Processor & Administrator
Kate has been an integral contributor of Jason & Audrey’s team since 2017. She oversees all loan submissions, ensuring all bases are covered for our lenders to make a timely and informed decision on our submissions.
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Debt recycling is a financial strategy that involves replacing non-deductible debt, like your home loan, with tax-deductible investment debt. It allows you to gradually reduce your mortgage while using the released equity to invest in income-producing assets, such as shares or managed funds. The goal is to grow your wealth over time while improving your overall tax position.
Debt recycling is best suited for individuals or couples who have stable income, available home equity, a long-term investment mindset, and are comfortable with some investment risk. It's especially effective for professionals with surplus cash flow who want to accelerate wealth without waiting to pay off their home loan first.
When structured correctly, debt recycling can help you pay off your home loan faster, build an investment portfolio, improve your tax efficiency, and create additional income streams. It’s a smart way to make your money work harder—without increasing your income.
Yes. Risks include market volatility, rising interest rates, and the need for disciplined debt management. That’s why having the right structure—and a broker who understands how to manage these risks—is essential.
Yes, that’s actually when it’s most effective. As you reduce your non-deductible debt, you can re-borrow against the equity to invest. This revolving strategy helps you grow wealth and reduce bad debt at the same time.
The first step is to book a consultation with a broker who can structure the strategy correctly. At AxJ Finance Brokers, we’ll assess your financial situation, discuss your goals, and tailor a plan using the right lending products from over 40 lenders.
Interest-only loans are commonly used in debt recycling because they maximise cash flow and deductions. However, it’s not required. The right loan depends on your goals and risk profile. We’ll help determine what’s best for your situation.
Yes. Even if you’ve recently refinanced, we can assess your loan setup and possibly recommend loan splits or separate facilities to isolate deductible debt. It’s never too late to make your equity work harder.
Debt recycling typically involves investing in income-producing assets like Australian shares, ETFs, or managed funds. These offer long-term growth and income that can help repay the investment loan. Always seek financial advice to align investments with your strategy and risk appetite.
It can, depending on how your lending is structured. Strategic planning ensures the strategy supports—not limits—future borrowing, whether for property, shares, or both.
We use split loan facilities, offset, and redraw strategies to clearly separate investment debt from your home loan. This is crucial for tax purposes, and we coordinate with your accountant to ensure everything is compliant.
Building long-term wealth through debt recycling can be a game-changer for your financial future—but it requires the right structure and expert guidance. At AxJ Finance Brokers, we specialise in tailored debt recycling strategies that help professionals like you make smarter use of your home equity.
With deep knowledge of the lending landscape and access to over 40 lenders, we design investment loan structures that align with your income, risk profile, and financial goals. Whether you’re paying down your mortgage, investing for the future, or optimising your tax position, we provide the clarity and precision needed to make every dollar work harder. Take control of your wealth strategy today—contact AxJ to explore a debt recycling plan built around you.
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AxJ Finance Brokers, a trusted mortgage broker in Melbourne, specialises in providing personalised loan solutions to help you navigate the dynamic property market with ease. Led by principal broker Jason, our team is dedicated to delivering tailored, responsive, and proactive mortgage services, ensuring your financial journey is smooth and successful.
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