Tradie Refinance Pack 2025: Cleaning Up Old Ute, Trailer & Tool Loans
Tradie refinance pack cleaning up ute trailer and tool loans under low doc asset finance – Switchboard Finance
If your ute, trailer and tool loans all hit on different days, this is the guide for you. One tidy refinance pack can turn a messy stack into a simple plan that actually fits your week.
A refinance pack rolls your existing work assets into a cleaner Asset Finance setup — still backed by your gear, just better organised.
Instead of the bank, dealer and a random card all clipping you, we look at proper Refinancing options built for tradies on ABNs who live in the ute all week.
It sits on top of your core choices in Tradie Finance Australia, your vehicle decisions from Ute vs Van for Tradies and any trailer or gear moves from Trailer Finance for Tradies.
- One main repayment instead of scattered direct debits.
- Clear upgrade path plugged into the Tradie Upgrade Ladder.
Good debt should feel boring and predictable. If you’re guessing what leaves your account each week, that’s a problem we can fix.
We line up the true costs, including every Payout Figure, and compare “keep as is” versus “clean it up” in one simple view.
This works whether your main rig is a ute, a kitted-out van or a vehicle you’re thinking about upgrading using Fast-Track Asset Finance.
| Messy stack | Refinance pack | |
|---|---|---|
| Repayments | Different days, hard to track | One main repayment, easy to plan |
| Interest & fees | Mixed rates, hidden charges | Clear rate, known costs |
| Upgrade path | No idea what’s left on each loan | Simple picture for the next ute or trailer |
- We check your current Credit File impact before making moves.
- We factor in future upgrades from blogs like Top Tools Most Tradies Finance First.
- We keep your options open for a future trailer or gear pack.
- We also look at how this fits the Tradie Cash Flow Trap so you don’t repeat the same pattern.
First, we grab a simple snapshot of your loans and do a quick Cash Flow Assessment to see what’s hurting most.
Then we compare keeping things separate against rolling them into one plan tied to the life of your ute, trailer and tools.
Finally, we plug that into your local numbers from Tradies Finance Melbourne and the ranges in How Much Can Tradies Borrow in 2025.
- We keep an eye on your Credit Assessment risk while we restructure.
- Your accountant can help line this up with ATO rules at ato.gov.au.
- We make sure the new pack still works with future Tradie Gear Packs and any trailer plans.
- We keep your path open to both Low Doc Vehicle Finance and Low Doc Asset Finance.
If you’re not sure whether to refinance or just ride it out, we can stress-test both options and keep things grounded in your actual workload.
We’ll also check how this plays with Business Loans if you’re planning to add a cash buffer using Business Loans for Tradies.
From there, you decide: keep the current mix, or flick to a refinance pack that lines up cleanly with your work, your ute and your plans.
General information only. This isn’t personal advice. Always speak with your accountant or tax adviser about how refinance decisions and loan structures affect your numbers and tax position.
