Q&A - Debt recycling when you sell your home: keep the deduction

Selling your home needn’t undo debt recycling. I’d substitute the security with a term deposit or your next home to keep it deductible. In this listener Q&A I walk Dave through substitution of security and simultaneous settlements, and explain why I’d pay a little more for a flexible lender. I then answer Marcus on whether to offset an investment loan or use a high-interest savings account. On the top marginal rate the offset usually wins, unless a low-income spouse changes the maths. I a...