Equity Mates Investing Podcast Ask an Adviser: Debt Recycling - Everything you need to know | Dylan Pargiter-Green
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Mar 2, 2026 Dylan Pargiter-Green, financial adviser and Boldwealth director who builds debt recycling tools, walks through debt recycling basics and his free calculator. He covers who it suits, how risk changes with approach, worked numeric examples, tax bracket impacts, common setup mistakes, ownership pitfalls and unwinding when selling a home.
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Tax Now And Compounding Later Drive The Value
- Two core benefits are immediate tax deductions and long-term compounding of an investment 'war chest.'
- Over decades the investment base compounds while mortgage remains tax-efficient, so benefits grow materially after 10+ years.
When To Consider Starting Debt Recycling
- Start when you have meaningful capital—roughly $150,000 in cash, investments or home equity—or regular surplus cashflow to invest.
- Ensure repayments stay similar so cashflow isn't materially worsened while recycling.
Concrete 10 Year Case Study Results
- Dylan ran a worked example: $150,000 starting investments, $694,000 mortgage, $2,000 monthly contributions, 7.5% return and 3% yield.
- After 10 years investments grew to ~$654k with ~$67k cumulative tax savings and 72% debt deductible.