Coming soon · Australia

Debt Recycling Made Easy

Geari is building a simpler way to gear your home equity into diversified investments — the same idea behind debt recycling, without the paperwork.

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The strategy

Why Debt Recycle — and Why It's Usually So Painful

The idea is simple. Doing it today, in practice, usually isn't.

Turn bad debt into good debt

Most of a mortgage is non-deductible. Debt recycling gradually redirects part of it into deductible investment debt — cutting your tax bill while building a portfolio.

The old way is genuinely painful

Today it usually means redrawing equity, creating a new mortgage split, and a full bank reassessment — every time. Some borrowers end up juggling ten separate loan splits.

Geari is built differently

Geari provides a personal loan, not a further mortgage, at competitive rates — no refinance, no reassessment, no new mortgage split. Just a seamless way to keep recycling debt.

General information only, not tax or credit advice. Whether interest is deductible depends on your individual circumstances — speak with a registered tax agent before acting.

Who this is for

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.

Debt recycling calculator

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.

$
The amount borrowed against home equity to invest
% per year
Historical long-run averages, for illustration only. Past performance is not a reliable indicator of future performance.
years

Year 1 snapshot

Annual interest cost$0
Tax deduction value$0
After-tax cost of debt$0
Expected investment return$0
Net annual position
$0

Cumulative position over time — investment value compounds at your expected return; loan interest is treated as a constant annual cost.

General information only — not financial, tax or credit advice. This calculator provides an illustrative estimate based on the figures you enter. It assumes a constant interest rate and a constant, compounding investment return, neither of which is guaranteed. It does not account for fees, capital gains tax, franking credits, or your full financial position. Geari is not currently a credit provider and this tool does not constitute an offer of credit. Speak with a licensed financial adviser or registered tax agent before making any borrowing or investment decision.
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Geari is not currently a credit provider or Australian Credit Licence holder. Content on this site is general information only and does not constitute financial, tax or credit advice. © 2026 Geari.