“We use $200,000 to pay down the home loan… then we take out a $200,000 loan and use that to invest… that $200,000 loan becomes tax deductible”
AG
Aidan Gullman
Financial Autonomy ·
“Loan split… $500,000 non-deductible home loan… put $100,000 into the loan, split it into $400,000 or $100,000 and then go invest $100,000 in shares”
Pat Noll · Equity Mates Investing Podcast · Ask An Adviser: Where property is heading, debt recycling and the future of rentvesting with Pat Noll
Play from 22:03
22:03
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What was described
Split a $500,000 non-deductible home loan, allocating $100,000 of the loan to investment (tax-deductible) and keeping $400,000 for owner-occupied
$500,000 loan split into $400,000 non-deductible + $100,000 deductible
Said nearby on the same subject
“Debt recycling… $500,000 non-deductible mortgage, got 50K in savings… split it… now $450,000 and $50,000 and then go invest the 50K into shares… now you have $450,000 non-deductible debt and 50,000 tax deductible debt”
PN
Pat Noll
Equity Mates Investing Podcast ·
“Offset account… loan limit minus what you've got in your offset account… $500,000 loan, $100,000 in savings… charged interest on $400,000”
PN
Pat Noll
Equity Mates Investing Podcast ·
“Someone who chooses interest-only on the investment split usually maximises the deductible interest and directs all surplus… towards a non-deductible home loan”
AG
Aidan Gullman
Financial Autonomy ·
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