Summary: A couple with a mortgage may be able to make extra loan repayments while interest rates are low. If they are comfortable with debt, they could then borrow money to invest in shares. Using this strategy, over time, their debt level stays constant, their mortgage reduces and they build a share portfolio.
Key take-out: A debt recycling strategy might be a way to build an investment portfolio for an investor who is comfortable with risk. Simply making extra mortgage repayments may be more suitable for the more conservatively minded.