Pre-Election Finance Planning in April 2025: Four Reviews and a Corrected Savings Example

Written by Mary Nebotakis, Managing Director, Natloans (B. Eco, Dip. Financial Services), and published 14 April 2025, this article argues for reviewing finances before the then-upcoming federal election. It is historical marketing commentary, not a current election deadline or a universal instruction to borrow immediately. A review can be useful while a decision to apply, refinance or purchase still depends on evidence and personal circumstances.

Important context: This article was published on 14 April 2025 and last modified 3 September 2025. It is general information only and reflects the market conditions and policy environment at that time. Rates, lender availability, tax rules and eligibility conditions change. Confirm all current details directly with Natloans before making any financial decision.

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Why Political Uncertainty Is Not a Reason to Wait

Elections bring uncertainty, and it is natural to feel cautious when policy changes are possible. However, the article's central argument is that waiting to "see what happens" carries its own financial risk. Lenders compete actively for new business regardless of the political cycle, and opportunities — such as competitive interest rates, end-of-financial-year (EOFY) asset deals, or rising property listings — do not pause for election outcomes.

The source says early action can lock in rates, strengthen finances and support personal or business goals. Timing alone does not secure those outcomes. Pre-approval is not a rate lock; obtain written terms for any fixed-rate or rate-lock arrangement. Variable rates can change, and later policy changes may still affect costs or eligibility.

Four Financial Actions the Article Recommends

1. Review and Refinance Your Home Loan

The article suggests that if you have not reviewed your home loan in more than a year, you may be paying more than necessary. It identifies refinancing as a way to potentially:

• Lower your interest rate and monthly repayments
• Pay off your loan faster
• Access equity for renovations or further investment

The original article claims that a 0.25% rate reduction on $600,000 saves “over $1,500 per year”. Interpreting this as a 0.25-percentage-point reduction, a simple constant-balance interest calculation is $600,000 × 0.0025 = exactly $1,500 a year before fees, not over $1,500. The source does not specify starting rates, amortisation, term, offset or repayment behaviour, so it does not establish the change in principal-and-interest repayments or the net annual saving.

The article notes that working with a mortgage broker gives access to a broader range of lenders and products beyond your existing bank's offerings.

2. Seek Pre-Approval for Home or Investment Property Finance

The article recommends obtaining pre-approval for finance — whether for a home, an investment property, or a vehicle — as a practical step that can:

• Clarify your borrowing capacity
• Allow you to move quickly when a suitable property or asset becomes available
• Strengthen your negotiating position with sellers

Pre-approval is a preliminary assessment only. It does not constitute final loan approval, and conditions apply. Confirm current pre-approval processes and validity periods with Natloans.

3. Refinance a Commercial Property Loan

The article highlights that business owners and property investors sometimes overlook the opportunity to refinance commercial property loans. Reasons to consider refinancing a commercial loan, as listed in the article, include:

• Paying above-market rates on an existing loan
• Facing restrictive loan terms
• Wanting to release equity for business expansion, staffing, or upgrades
• Considering long-term flexibility and tax implications with appropriate advice. Restructuring does not automatically create tax efficiency or a deduction.

The article notes that lenders may offer competitive deals for stable, income-producing commercial properties, and that a finance broker can help compare offers and identify potential hidden costs or break fees. Whether this applies to your specific commercial property and circumstances should be confirmed with Natloans.

4. Pre-Approval for Business Assets or Vehicles

For business operators considering a work vehicle, machinery, or equipment purchase, the article recommends securing pre-approval before committing. Stated benefits include:

• More accurate budgeting
• Potential access to tax benefits before EOFY (confirm current rules with a tax adviser)
• Ability to take advantage of limited-time supplier offers or discounts
• A stronger negotiating position at the point of purchase

Key Facts About Natloans (as stated in the article)

Natloans — Summary of Published Claims (Source: article dated 14 April 2025)

Claim	Detail	Note
Combined experience	Over 100 years (team total)	As stated at publication date; confirm current
Lender panel	More than 50 lenders	Includes major banks and non-bank providers; confirm current panel
Services mentioned	Home loan refinancing, pre-approval, commercial property refinancing, business asset finance	General information only; eligibility varies
Contact	1300 955 791 / www.natloans.com.au	Verify current contact details on the website

Understanding the Timing Argument

The article's core reasoning is straightforward: financial markets, lender competition, and individual circumstances do not align themselves to election calendars. Specific timing considerations raised in the article include:

• Rate environment: At the time of publication, the article described rates as competitive among both major banks and non-bank lenders. Whether this remains true at the time you read this must be confirmed with Natloans or through current market research.
• Property listings: The article noted that listings were beginning to lift at the time of writing, which it framed as a reason to have pre-approval in place.
• EOFY: The article referenced end-of-financial-year deals for assets and vehicles as a time-sensitive opportunity.

These were conditions observed at the time of publication. Market conditions change and the specific timing references in the article are historical in nature.

Questions and Answers

What does this Natloans article discuss?

The source discusses home refinancing, property or vehicle pre-approval, commercial property refinancing and business-asset pre-approval. Its preference for action before the 2025 election is a dated argument, not proof that waiting is generally against every borrower’s interests.

Is this article a current quote or eligibility assessment?

No. The article was published on 14 April 2025 and is general information in that dated context. It does not constitute a loan quote, approval, or eligibility determination. You should confirm current costs, conditions, and eligibility for your circumstances directly with Natloans before relying on any information in the article.
Source article

What is a loan health check, and how do I request one?

The article refers to a "free loan health check" as a starting point for reviewing your existing home or commercial loan. The article does not define its scope in detail. To understand what is included and how to request one, contact Natloans directly on 1300 955 791 or via www.natloans.com.au.

Does pre-approval guarantee that I will get a loan?

No. Pre-approval is a preliminary assessment of your borrowing capacity based on information provided at that time. It is not a guarantee of final approval. Final approval is subject to full assessment, verification of information, lender credit criteria, and property or asset valuation. Confirm the conditions and validity period of any pre-approval with Natloans.

How many lenders does Natloans work with?

The article states that Natloans has access to more than 50 lenders, including Australia's leading banks and specialised non-bank providers, as at the publication date of April 2025. Confirm the current lender panel with Natloans directly.

What types of loans does the article say Natloans can assist with?

The article specifically mentions: home loan refinancing, pre-approval for home or investment property purchases, commercial property loan refinancing, and pre-approval for business vehicles, machinery, and equipment. For a full list of current products and services, visit www.natloans.com.au.

Can refinancing a commercial property loan improve cash flow?

The article argues that refinancing a commercial property loan may reduce ongoing repayments and provide access to funds, depending on the existing loan terms, the current rate environment, and the lender's assessment of the property. Whether this applies to your specific situation depends on individual circumstances and lender criteria. Speak with Natloans to assess your position.

Are there tax benefits to financing business assets before EOFY?

The article mentions possible EOFY tax benefits. Pre-approval itself is not a purchase, asset-use event or tax deduction. Applicable rules, eligible expenditure, business use and timing must be established independently with a tax adviser; no deduction or deadline is established by this article.

What is the worked savings example in the article based on?

Its example is a 0.25-percentage-point rate reduction on a $600,000 balance. Simple annual interest on an unchanged balance differs by exactly $1,500 before fees. The wording “over $1,500” is not supported by that arithmetic. Actual amortising-loan payments and net refinance savings require the term, rates, costs and balance trajectory.

Who wrote this article?

The article is attributed to Mary Nebotakis, Managing Director of Natloans, holding qualifications of B. Eco and Dip. Financial Services. It was published on 14 April 2025 and last modified 3 September 2025.

Where can I read related Natloans articles?

The article links to two related pieces:

• Make This Easter Count – How a Personal Loan Can Help You Get Ahead
• Tips for Setting a Household Budget: Your Guide to Financial Success

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Next Steps

If the topics covered in this article are relevant to your situation, the article recommends the following actions:

1. Request a free loan health check — review whether your current home or commercial loan is still competitive.
2. Seek pre-approval — for a home purchase, investment property, vehicle, or business asset, so you are ready to act when the right opportunity arises.
3. Speak with a Natloans broker — to compare options across more than 50 lenders and understand what is available for your circumstances.

Contact Natloans:
Phone: 1300 955 791
Website: www.natloans.com.au

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Source Reference

This page is based on the Natloans public article published at https://www.natloans.com.au/take-control-of-your-financial-future-why-now-is-the-time-to-act-not-after-the-election/ , originally published 14 April 2025, last modified 3 September 2025, and retrieved 15 October 2026. Rates, lender counts, eligibility conditions, tax rules and market observations referenced in the article are not independently verified as current. Confirm all details with Natloans before making any financial decision. This content is general information only and does not constitute financial advice.

What to bring to a loan review

Information	Purpose
Balance, rate, repayment and remaining term	Establish the existing commitment and compare alternatives over the same period.
Fixed expiry, payout and switching charges	Allow for break costs, discharge, new-loan fees and any applicable registration or mortgage-insurance costs.
Income, expenses and other debts	Assess affordability using the current position, not a headline forecast.
Offset, redraw and planned changes	Preserve features you use and account for selling, renovating, extra repayments or a change in employment.
Alternative offers	Compare repricing with the current lender, refinancing and staying put. Record net cost, remaining debt and conditional incentives.

This is an added preparation guide, informed by ASIC Moneysmart’s switching guidance, checked 15 October 2026. A lower monthly payment can come from a longer term rather than a saving. New borrowing, including equity access, requires acceptable security and repayment capacity.

Commercial-property comparisons should also establish valuation, usable equity, maturity, covenants, guarantees and the total cost of any extension. A broker can identify break costs but cannot guarantee they can be avoided. The source’s property-listing and supplier-discount observations do not identify a current offer. Its more-than-50-lender and over-100-years combined-experience claims remain attributed to April 2025, rather than proving every lender is suitable for every product.