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Home Equity · February 2025 · 6 min read

Ringfencing Personal and Investment Debt: A Structural Foundation

How to separate non-deductible and deductible debt from day one — and why this single decision compounds across decades.

Ringfencing Personal and Investment Debt: A Structural Foundation

The most expensive mistake investors make is blending their home loan and investment borrowings into a single facility. Once contaminated, the tax deductibility of the investment portion becomes difficult — sometimes impossible — to defend.

Splitting loans, structuring offsets, and isolating investment debt is unglamorous work. It is also one of the few decisions that pays dividends every year for the life of the portfolio.

J
Written by
Jerry Parker — Founder, Capital Growth Property

Long-term property investment strategy for Australian professionals. Research-led, conservative, multi-decade in horizon.

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