17/09/2026
For most Australians, the home loan is the single biggest expense of their lifetime. And in the early years especially, most of each repayment goes toward interest, not principal.
At current rates, a typical $600,000 loan could see over $700,000 paid in interest across 30 years. That's simply how amortisation schedules work.
Some property investors use a strategy called debt recycling to potentially restructure that debt and reduce the interest they pay over time, though results depend heavily on individual circumstances, loan structuring, and investment performance.
We've written a free, plain-English guide covering how the strategy works, what "good debt vs bad debt" actually means, and the assumptions behind the numbers, so you can assess whether it's worth exploring further with a professional.
Download here: https://bit.ly/4hsGudr
This document is a general guide only and does not constitute financial, tax, or legal advice. Forecasts and figures are illustrative and based on stated assumptions; actual outcomes may vary. Please consult a licensed financial adviser and/or tax professional before making any decisions.