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It can't be done to the same extent without paying down the loan. This is because you would be using cash to invest (offset funds) instead of borrowing to invest. Initial tax treatment would be worse as you are increasing the non deductible interest you pay. You also get less compounding as you...

This needs careful taxation planning and advice which a planner may not be capable of. The debt recylcing works like this; $500,000 property, $400,000 loan. You plough all your spare cash into the loan, get it down and then reborrow the available equity. This should be done using a...