Debt recycling.
Understand what remains.

At the start of each year, the entered amount (capped at remaining private debt) pays down that debt and is then borrowed into a separate investment-purpose loan. It is invested immediately and earns the entered constant total return for that year. There is no opening investment debt or existing portfolio in this model. Recycling stops once private debt reaches zero.

Total loan principal stays constant. This mechanics-only model excludes scheduled loan amortisation, offset cash, fees, investment sale tax, tax on returns, distributions to the home loan and tax-benefit feedback into repayments. Total return is assumed to remain invested. Investment-loan interest must be paid from separate cash flow and is shown as an annual funding need; it is not deducted from the displayed portfolio value.

The optional tax sensitivity is simply modelled annual investment interest × the entered tax rate. It is not a tax refund, net investment return or confirmation of deductibility. The use of borrowed funds, records, ownership, current law and your circumstances matter. Mixed-purpose borrowing can require apportionment. A mortgage broker’s credit authorisation does not itself authorise investment recommendations or tax advice.