Debt Management

Australia's household debt to income ratio has hit nearly 200 per cent, a level UBS analysts have called "extremely elevated" and "one of the highest in the world". Total household liabilities have been revised upwards to $2.466 trillion, or 199.7 per cent of disposable income, by Australian Bureau of Statistics.Jan 17, 2018

18 months later the debt outlook is not looking any better and with little positive news in sight.

While a lot of us are aware of our personal debt position it is difficult to get out of this maze. We at Optima Accountants can assist you in sorting your debt situation.

Debt Recycling Solutions

Optima Accountants - Debt Recycling Solutions

Debt recycling is the strategic co-ordination of cash flow to achieve home loan reduction, tax minimisation and wealth creation all at the same time. This strategy is designed to maximise wealth creation opportunities and to pay off your home loan sooner allowing you to secure your financial future.

Debt recycling is a financial strategy that can help you get ahead by replacing your home loan (non-deductible) debt with investment (tax deductible) debt over time. It enables you to:

  • Repay your home loan quicker
  • Build an investment portfolio outside of superannuation
  • Reduce your tax

Debt recycling is a long-term strategy that can help you achieve your retirement income goal. Debt recycling can provide an alternative to superannuation by allowing you to accumulate wealth in the non-superannuation environment which provides access to funds in the future if required. This may be appropriate if you are looking to retire prior to your preservation age (the age you can get access to your superannuation benefits).

Debt recycling simply uses your existing home loan repayments more efficiently to get a better result through interest savings, tax savings and long-term wealth creation.

Call Optima on 1300 81 81 18 for more insights into your debt recycling options or email


General Advice Warning:

The information contained on this webpage has been provided as general advice only. The contents have been prepared without taking account of your objectives, financial situation or needs. You should, before you make any decision regarding any information, strategies or products mentioned on this website, consult your own financial advisor to consider whether that is appropriate having regard to your own objectives, financial situation and needs.


Whilst Optima Financial Wealth Services Pty Ltd  is of the view the contents of this webpage is based on information which is believed to be reliable, its accuracy and completeness are not guaranteed and no warranty of accuracy or reliability is given or implied and no responsibility for any loss or damage arising in any way for any representation, act or omission is accepted by Optima Financial Wealth Services Pty Ltd or GPS Wealth Ltd or any officer, agent or employee of Optima Financial Wealth Services Pty Ltd or GPS Wealth Ltd.

Optima Financial Wealth Services Pty Ltd (ASIC No 1248219) ABN 94 614 326 420 is a Corporate Authorised Representative of GPS Wealth Ltd ABN 17 005 482 726, Australian Financial Services Licence Number 254544, Australian Credit Licence 254 254. Purvish Panchal is a Sub-Authorised Representative (ASIC No. 1248375) ABN 34 749 725 961