Hi Everyone, Not sure how much information to put in this so apologies for if this is too much. I have been investing in Vanguard ETF's (VAS) for approximately 5 years. About 2 years ago my now wife and I got married. I continued to invest in Vanguard ETF's but at a much lower % of income as I needed to pay for the wedding, we went on a trip to Europe for a month and we have been aggressively saving a deposit for a house. After getting married I invested in both my and my wife's name in seperate share accounts. This is where we currently stand: -Both my wife and I work full time. This could change in the next 2 years as we will be trying to start a family. -We currently have about $70k in VAS between the 2 of us. This is in seperate accounts and I have slightly more in my name. -My main super is a defined benefit fund with the Victorian Government. I salary sacrifice the max I am allowed to this super fund. This does not yet reach the Concessional Contribution limit so I also make voluntary concessional contributions. According to my super fund this defined benefit amount can be treated effectively as cash. -My super prior to starting this job and any voluntary concessional contributions I make are in a seperate accumulation fund with another company with lower fees and are all in International shares to diversify away from VAS. -We have made concessional contributions of $25k each over the last 2 years as part of the FHSSS. -We currently have enough money for a 15% house deposit on an amount I am comfortable we could make the repayments if we go down to 1 income for a number of years. The bank we have pre-approval with offers LVR of 85% with no LMI. -We are currently looking at houses and could potentially have a signed contract next week. I am familiar with Debt Recycling but have some general questions: -The bank we would be going with offers offsets, fee free loan splits and fee free redraws. Am I correct in thinking that to Debt recycle say we save up $10k in the offset. Split the loan into Split A (Principal - $10k) and Split B (10k). Pay down Split B and immediately redraw to purchase income producing shares. -We then direct any extra money as well all dividends into the offset which would be attached to Split A. When we had a further say $10k saved I do another split so that we would end up with Split A (Principal - $20k), Split B (The original $10k) and Split C (the new $10k). We would withdraw the money from the offset and pay down Split C before immediately redrawing to purchase shares. We could then combine Split B and Split C to simplify. -I am also wondering about whether I can sell what we currently have in VAS to debt recycle as well. From what I have read there are 2 potential issues: Wash Sale and Part IVa. I don't believe the Wash Sale would apply as we would have a Capital Gain on VAS. I am unsure about the Part IVa. Could I get around Part IVa by purchasing different shares say A200 or VDHG (and rebalancing Super to reflect as well). Or by selling the shares just after the contract is signed by us and the vendor, still borrowing 85% from our bank and doing debt recycling straight after settlement? Finally, is there a standard formula for how worthwhile the debt recycling is as in order to sell down the VAS there is CGT we would need to pay. Sorry for the long post and looking forward to learning from and contributing to this forum.