Debt Recycling Masterclass

The step-by-step guide to converting your home loan from bad debt into good debt, so that you can save tax, build wealth, and pay off your mortgage sooner.

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DEBT RECYCLING

Save Tax on Your Home Loan

Did you know that the mortgage on your home can be tax deductible if you structure it correctly? Many Australians are unaware of this, and it’s costing them thousands in extra tax each year.

The solution is a strategy called debt recycling, a process that transforms the mortgage on your main residence from “bad debt” (non-tax-deductible) into “good debt” (tax-deductible).

Debt recycling is becoming an increasingly popular strategy—and for good reason. I’ve helped hundreds of my clients implement debt recycling and have seen firsthand how much it accelerates their wealth, especially now, with house prices at record highs.

Is Debt Recycling Right For Me?

For this strategy to be right for you, you should meet the following two conditions:

1. You have a mortgage on your main residence.
2. You want to invest (or already invest) in shares, an investment property, or any other income-producing asset.

If you meet these two conditions, then debt recycling is a no-brainer. It simply optimises the structure of your debt for tax efficiency.

How Much Will I Save?

It depends on your situation, but the average person will save approximately $500 to $3,000 in tax in their first year alone and more every year thereafter.

Over the life of the loan, many save well over $100,000. To discover how much tax you'll save, input your details into the calculator.

How do I start?

Debt recycling is one of the best Australian tax strategies, but it’s also quite confusing.

I've seen too many people miss out on the tax benefits by attempting to implement it on their own or through their mortgage broker (who aren’t trained or licensed to give financial or tax advice).

I saw the need for a clear, step-by-step guide to debt recycling. That’s why I created this course.

INTRODUCING

Debt Recycling Masterclass

Debt Recycling Masterclass is the best way to start debt recycling. It’s a self-paced course that teaches everyday Australians exactly how to debt recycle correctly and without confusion.

By the end of this course, you will have implemented an optimised debt recycling strategy, enabling you to:

Save tax each year
Build wealth
Pay off your mortgage sooner

Optimise the structure of your home loan now and you’ll enjoy a much brighter financial future.

ENROL IN THE DEBT RECYCLING MASTERCLASS

MODULES

What You'll Learn

MODULE 1

Debt Recycling Overview

Learn the basics of tax deductibility and debt recycling.

You’ll finish knowing the difference between good and bad debt and how debt recycling works.

MODULE 2

Step 1: Understanding Your Situation

Learn how debt recycling applies to you by inputting your information into a comprehensive spreadsheet.

You'll get answers to basic questions such as how much you can or should debt recycle based on your risk tolerance.

You'll also get answers to advanced questions such as whether you should debt recycle if you're moving house soon, whether you should sell your assets to debt recycle (i.e., whether the tax savings will outweigh the CGT), whether you should debt recycle via a family trust, and more.

You’ll finish this module with a clear picture of your cash flow, assets, debts, home equity, and how to get the most out of debt recycling.

MODULE 3

Step 2: Structure Your Debt (Correctly)

Learn to structure your debt for maximum tax savings.

You’ll discover what changes to make to your mortgage in order to make it tax deductible. You’ll also receive a bonus, ready-to-send template to your bank/mortgage broker so they know what changes to make, ensuring you save time and get it right.

You’ll finish this module with an optimally-structured home loan and ready to invest.

MODULE 4

Step 3: Invest

Learn to invest into income-producing assets.

Get step-by-step guides on how to invest in diversified ETFs, including my top-recommended diversified ETF portfolio for this strategy.

You’ll finish this module with a lower tax bill and a passive income stream.

MODULE 5

Step 4: Repeat

Learn how to continue debt recycling.

This module will teach you how often you should do another round of debt recycling, how you should direct your cash flow between rounds, and what you should do once you’re fully debt recycled (that is, once you’ve replaced all of your non-deductible debt with tax-deductible debt).

You’ll finish this module with an easy-to-follow plan to progressively transform your entire mortgage from bad debt into good debt.

BONUS

My Top Recommendations

Receive my top-recommended share broker, diversified ETF portfolio, mortgage broker, and anything else you’ll need to debt recycle. I don’t receive any incentive for any of these recommendations, they’re simply the lessons I’ve learned after helping hundreds of clients implement this strategy.

TAKE CONTROL NOW

Debt Recycling Masterclass

Optimise the stucture of your mortgage today and enjoy reduced tax for the life of the loan.

Essential

$500

Ideal for those with a straightforward financial situation and/or a strong grasp of personal finance.

Comprehensive and Customisable Debt Recycling Spreadsheet
Explainer Videos to Understand the Content
Tutorial Videos to Implement the Content
My Top-Recommended Products, Strategies, and Tips
Bank/Mortgage Broker Email Template
Lifetime Access to All Future Course Updates

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Premium

$1200

Ideal for individuals with a high income, a complex situation, or those who would like extra assistance.

All Features of the Essential Plan
60-Minute Consultation With Kyle. Receive a Comprehensive Review of Your Spreadsheet, Answers to All of Your Questions, and Expert Guidance to Address Every Detail and Concern
90 Days of Direct Email Access to Kyle for Continuous Support, Advice, and Answers to Your Questions, Keeping You on Track and Optimised for Success

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90-DAY MONEY-BACK GUARANTEE

If you aren’t completely satisfied with Debt Recycling Masterclass, email [email protected] within 90 days of purchase for a full refund. No questions asked.

Conrad (works in tech)

“Taking this course was one of the best financial decisions I've ever made. It was comprehensive yet easy to understand and implement. With just a bit of upfront admin, I'm now positioned to save thousands of dollars in tax every year for the remainder of my mortgage. If you invest in stocks and have a home loan, I highly recommend this course.”

How does debt recycling work?

Is debt recycling legal?

Who is this course for?

How long does it take to complete the course?

I'm a complete beginner. Is course too complex?

I'm an experienced investor. Is this course too basic?

Do you have any potential conflicts of interest?

Do you update the course material?

Is this course tax deductible?

What’s your refund policy?

I recently received a significant inheritance. Is this course right for me?

I have more questions. How can I contact you?

NICE TO MEET YOU

I'm Kyle Frost

I'm an Australian independent financial advisor. I've helped thousands of Australians invest, minimise tax, and ensure their money is working to its fullest potential.

I have over a decade of experience in financial services and hold undergraduate and postgraduate degrees in finance.