Turning Home Equity Into a Long-Term Investment Opportunity
Geari is building a simpler way to gear your home equity into diversified investments — the same idea behind debt recycling, without the paperwork.
Negative Gearing on Property Is Narrowing. Gearing a Portfolio Is What's Next.
Under the 2026 Federal Budget, negative gearing on established investment properties bought after 12 May 2026 is being phased out from 1 July 2027 — only new-build properties keep the old tax treatment. For investors who built a strategy around offsetting property losses against salary, that door is closing.
Gearing a diversified share portfolio works on different, and in many ways simpler, terms:
Full flexibility
No tenants, no maintenance, no vacancy risk — and you can scale your position up or down.
Genuine capital growth
Spread across hundreds of companies through an index fund, not concentrated in one address.
Clear and trackable
One number, priced daily — not a valuation you're left guessing at between sales.
General information only. Refers to negative gearing changes for established residential property announced in the 2026 Federal Budget; treatment differs for new builds and for properties already held — seek advice on your specific situation.
Debt Recycling Can Convert Non-Deductible Debt Into Deductible Debt
Most of a mortgage is what's often called "bad debt" — the interest isn't tax deductible, and paying it down builds home equity but nothing else. Debt recycling gradually replaces part of that with "good debt": you borrow against your home equity, invest the funds, and because the loan's purpose is to earn income, the interest can become tax deductible.
Same total debt. More of it working for you, and a smaller tax bill along the way.
Same debt, better tax treatment
You're not necessarily borrowing more — you're changing what the borrowing is used for.
Purpose, not security, drives deductibility
Deductibility generally turns on what borrowed funds are used for, not what secures the loan.
Gradual, not all-or-nothing
Recycle debt at your own pace — you're redirecting existing equity, not overhauling your finances overnight.
General information only, not tax advice. Whether interest is deductible depends on your individual circumstances — speak with a registered tax agent before acting.
Built for High-Income PAYG Earners With High Tax and Few Deductions
If most of your income is salary and wages, your tax bracket is high, and you don't have a business or a negatively geared property generating deductions — especially now that the old property tax shelter is narrowing — this is who Geari is being built for.
High tax, few offsets
Salary and wages are taxed at the point of payment, with little room left to reduce the bill.
No negatively geared property
Whether by choice or by timing, the old property tax shelter isn't part of your plan.
Time-poor, not risk-poor
You have stable income and home equity, but not the time or desire to manage a rental property.
Gearing, Without the Usual Friction
Three ideas driving what we're building.
See your numbers
Use the calculator below to estimate what gearing your equity could mean for you.
Built on your equity
Designed around your home equity buffer, not daily market swings.
Be first to know
Join the waitlist for early access and updates as we get closer to launch.
See What Gearing Your Equity Could Look Like
Enter your numbers to estimate the after-tax cost of an investment loan against your expected return.
Year 1 snapshot
Cumulative position over time — investment value compounds at your expected return; loan interest is treated as a constant annual cost.
Be the First to Know When Geari Launches
Early access, occasional updates, no spam.
Privacy Policy
What we collect. If you join our waitlist, we collect your email address (and any name you choose to provide). If you use the debt recycling calculator, the numbers you enter are used only to calculate the result shown on your screen — they are processed in your browser and are not transmitted to or stored by us.
How we use it. Your email is used only to send you updates about Geari's launch and related news. We do not sell or rent your email address to third parties.
Third parties. We use MailerLite, a third-party email service provider, to store waitlist emails and send updates. MailerLite processes this data on our behalf under its own privacy and security practices.
Your rights. You can unsubscribe at any time using the link in any email we send, or by contacting us directly. You can also request access to, correction of, or deletion of your information at any time.
Contact. For any privacy questions or requests, email [email protected].
Terms of Use
About this site. Geari is currently a pre-launch waitlist site. Geari is not currently a credit provider, does not hold an Australian Credit Licence, and this site does not constitute an offer of credit, financial advice, or tax advice of any kind.
General information only. Content on this site, including the debt recycling calculator, is general information only. It does not take into account your personal objectives, financial situation, or needs. You should consider seeking independent financial, tax, and legal advice before acting on anything referenced on this site.
No guarantees. Nothing on this site guarantees any investment return, tax outcome, or approval of any future credit product. Past or illustrative figures are not indicative of future results.
Liability. To the maximum extent permitted by law, Geari excludes liability for any loss arising from reliance on information provided on this site.
Governing law. These terms are governed by the laws of Australia.
Contact. Questions about these terms can be sent to [email protected].