Turn Idle Home Equity Into Long-Term Investment Growth

Geari is building a simpler way to gear your home equity into diversified investments — the same idea behind debt recycling, without the paperwork.

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Why now

Negative Gearing on Property Is Narrowing. Gearing a Portfolio Is What's Next.

Under the 2026 Federal Budget, negative gearing on established investment properties bought after 12 May 2026 is being phased out from 1 July 2027 — only new-build properties keep the old tax treatment. For investors who built a strategy around offsetting property losses against salary, that door is closing.

Gearing a diversified share portfolio works on different, and in many ways simpler, terms:

Full flexibility

No tenants, no maintenance, no vacancy risk — and you can scale your position up or down.

Genuine capital growth

Spread across hundreds of companies through an index fund, not concentrated in one address.

Clear and trackable

One number, priced daily — not a valuation you're left guessing at between sales.

General information only. Refers to negative gearing changes for established residential property announced in the 2026 Federal Budget; treatment differs for new builds and for properties already held — seek advice on your specific situation.

The strategy

Debt Recycling Turns Non-Deductible Debt Into Deductible Debt

Most of a mortgage is what's often called "bad debt" — the interest isn't tax deductible, and paying it down builds home equity but nothing else. Debt recycling gradually replaces part of that with "good debt": you borrow against your home equity, invest the funds, and because the loan's purpose is to earn income, the interest becomes tax deductible.

Same total debt. More of it working for you, and a smaller tax bill along the way.

Same debt, better tax treatment

You're not necessarily borrowing more — you're changing what the borrowing is used for.

Purpose, not security, drives deductibility

Deductibility generally turns on what borrowed funds are used for, not what secures the loan.

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