Strategic Finance for Investors: Structuring Debt to Unlock Capital and Improve Tax Efficiency

A practical session co-hosted by Mortgage On Chain, Stormrake and Tax On Chain exploring how investors can structure their finances to access capital, improve cash flow and increase tax efficiency. Using worked examples, we will cover the strategies we are seeing from high net worth and savvy investors, such as accessing available home equity, refinancing strategies and restructuring existing debt to optimise for tax. We will explain how these strategies work, their potential benefits and risks, who they may be suitable for, and the process involved if you would like to explore your options.

Hosted by

• Bisher Khudeira, COO at Stormrake

Co-Hosted by

• Oliver Woodbridge, Co-Founder & Director- Tax On Chain & Mortgage On Chain
• Terry Walker, Mortgage On Chain

Key discussion points

• Accessing capital through home equity: How refinancing or releasing equity can provide investment capital without selling existing assets, while potentially improving your existing loan structure and cash flow.
• Debt recycling and tax efficiency: How debt recycling can progressively convert non-deductible home debt into investment debt without necessarily increasing your overall borrowings—and why the loan structure and use of funds matter.
• Making the strategy work: Who these strategies may suit, the key risks and considerations, the steps from an initial review through to settlement - together with the respective roles of your mortgage broker, accountant and crypto broker.