Last updated: 8 December 2025 – all landscaping equipment finance rates & tax rules verified this week
Written & reviewed by Ding Financial landscaping equipment team – ACL 222640 | 14+ years landscaping finance experience
⚠️ Important Disclaimer
All information is general only and does not constitute personal financial, taxation, or business advice.
Rates and eligibility are indicative only and vary based on credit profile, equipment type/condition, business history, and lender criteria.
Tax benefits (including $20k instant write-off) depend on your situation and current ATO rules.
Contact Ding Financial or your adviser before making decisions.
Landscaping Equipment Finance NSW
Finance all landscaping equipment for NSW landscapers, councils, groundskeepers, and maintenance contractors. Ride-on mowers, zero-turn mowers, skid steers, mini excavators, trailers, hand tools, and specialty equipment.
Compare 20+ specialist lenders, understand the $20k instant write-off, and get expert quotes from Ding Financial (ACL 222640).
Trusted by 210+ NSW landscaping businesses.
📞 Speak to a landscaping equipment specialist: 1300 DING FIN
Important Tax & Financial Disclaimer
General Information Only: The information provided on this page is for general guidance purposes only and should not be considered as professional tax, legal, or financial advice.
Seek Professional Advice: You must seek professional advice from a qualified accountant, tax advisor, or financial planner regarding your individual tax circumstances, strategies, and current regulations before making any financial decisions.
ATO Requirements: For official information about tax deductions, instant asset write-offs, depreciation schedules, and current ATO requirements, always cross-reference with the Australian Taxation Office website:
Tax laws and regulations are subject to change. Always verify current requirements with the ATO and consult with professional advisors before making equipment finance decisions.
Official ATO $20,000 Instant Asset Write-Off
Based on official Australian Taxation Office guidance - current for 2024-26 financial years
$20,000 Instant Asset Write-Off
Official ATO instant asset write-off for eligible landscaping tools and equipment
Eligibility Requirements
- •Business aggregated turnover less than $10 million
- •Asset cost less than $20,000 (ex GST if registered)
- •First used or installed ready for use 1 July 2024 – 30 June 2025 (law) | 1 July 2025 – 30 June 2026 (announced)*
- •Using simplified depreciation rules
- •Both new and second-hand assets qualify
How It Works
- •Per-asset basis: Write off multiple assets under $20k each
- •Immediate deduction: Claim full business portion in year of purchase
- •GST treatment: Exclude GST if registered, include if not
- •Business use only: Only claim business portion (not private use)
Assets $20,000 or More
If your asset costs $20,000 or more, it goes into the small business simplified depreciation pool:
- • 15% deduction in the first year
- • 30% deduction each subsequent year
- • If pool balance falls below $20,000, write off the entire balance
Important Exclusions & Limits
Passenger vehicles limited to $69,674 for depreciation purposes (excludes motorcycles and disability-modified vehicles)
- • Assets leased out (>50% of time)
- • R&D assets (special rules apply)
- • Capital works & buildings
- • Horticultural plants
Practical Example
Purchase: Computer for $6,800 (80% business use)
Instant Write-Off: $5,440 (80% of $6,800) in the year of purchase
Total cost ($6,800) is below $20,000 threshold ✓
Business can claim $5,440 deduction immediately, not spread over multiple years
* Legislative Status: The $20,000 instant asset write-off for 2024-25 (1 July 2024 to 30 June 2025) is confirmed law. The extension for 2025-26 (1 July 2025 to 30 June 2026) has been announced by the government but is not yet legislated. While the government has committed to this extension, it requires parliamentary passage before becoming law.
Important: This information is based on ATO guidance current as of December 2024. Tax laws change regularly. Consult a registered tax agent or accountant to ensure your specific situation qualifies for the instant asset write-off. Record keeping requirements apply.
NSW Landscaping Equipment Types & Indicative Finance Pricing
Ride-On & Zero-Turn Mowers
Commercial, residential, council
Deck Size Range:
30"-72" deck (typical: 42", 52", 60", 72" commercial)
New Pricing:
- • 30-42" residential zero-turn: $6,000-$12,000
- • 48-52" commercial zero-turn: $12,000-$22,000
- • 60-72" commercial zero-turn: $22,000-$38,000
- • Out-front deck mower: $35,000-$80,000
Indicative Finance Rates:
8.0-11.0% p.a.*
💡 $20k Instant Write-Off:
Most residential and many commercial mowers under $20k ex-GST qualify. Verify with accountant.
Popular Brands in NSW:
Toro, Husqvarna, Walker, Ferris, Exmark, John Deere
Skid Steers & Mini Excavators
Landscaping, earthworks, drainage
Capacity Range:
Skid steers: 0.5-3.5T | Mini excavators: 1-5T
New Pricing:
- • 1-2T mini excavator: $35,000-$65,000
- • 2.5-3.5T mini excavator: $65,000-$95,000
- • 4-5T mini excavator: $95,000-$135,000
- • Skid steer loader: $45,000-$95,000
Indicative Finance Rates:
7.0-9.5% p.a.*
Compact Tractors & Loaders
Property maintenance, turf work
Horsepower Range:
20-50 HP compact tractors (landscaping focused)
New Pricing:
- • 20-30 HP compact: $25,000-$45,000
- • 35-40 HP with loader: $45,000-$65,000
- • 45-50 HP with loader: $55,000-$75,000
Indicative Finance Rates:
7.5-10.0% p.a.*
Specialty Equipment
Stump grinders, chippers, aerators
Types:
Stump grinders, wood chippers, aerators, turf equipment
Pricing Range:
- • Stump grinder: $8,000-$45,000
- • Wood chipper: $12,000-$65,000
- • Turf aerator: $3,500-$18,000
- • Equipment trailer: $5,000-$25,000
Indicative Finance Rates:
8.0-10.5% p.a.*
💡 $20k Instant Write-Off:
Most specialty equipment under $20k ex-GST qualifies. Perfect for building equipment fleet incrementally.
Ding Financial Landscaping Equipment Finance Expertise
*Indicative rates only. Actual rates vary based on credit profile, equipment type/condition, business trading history, and lender criteria. Ding Financial has 14+ years experience financing landscaping equipment for NSW businesses. Contact us for personalized quotes.
Contact Ding Financial for Expert Landscaping Equipment Finance Assessment
Trusted by 210+ NSW landscaping businesses. 14+ years landscaping finance experience. Compare 20+ lenders.