CalculatorsInvestingDepreciation

Depreciation, year by year.

Estimated Division 43 and Division 40 deductions on an investment property. A professional quantity-surveyor schedule will refine these — but the order of magnitude is here.

The property
$
Full Div 40 + Div 43.
%
yrs
yrs
Div 43 runs for 40 more years on this property. Div 40 available (you're the first occupant or pre-2017 sale).
Year 1 deduction
$159,899 over 10 yrs
$21,156
Div 43 yr 1
$12,300
Div 40 yr 1
$8,856
Construction cost
$492,000
Deduction by year
SponsoredA quantity-surveyor schedule typically pays for itself in year one.
Find a quantity surveyor
Year-by-year deductions
YearDiv 43Div 40Total deduction
1$12,300$8,856$21,156
2$12,300$6,908$19,208
3$12,300$5,388$17,688
4$12,300$4,203$16,503
5$12,300$3,278$15,578
6$12,300$2,557$14,857
7$12,300$1,994$14,294
8$12,300$1,556$13,856
9$12,300$1,213$13,513
10$12,300$946$13,246
Current market rates

22 variable rates matching this loan shape

From 10 Australian lendersvia the ACCC’s open banking feed.

Rate type
Loan purpose
Repayment
  • Westpac
    Flexi First Option Home Loan - Veterans
    RedrawExtras
    3.25%
    Comparison rate n/a
  • Westpac
    Sustainable Upgrades Home Loan
    Extras
    4.49%
    4.49% comparison
  • Up
    Up Home Loan
    ExtrasOffsetRedraw
    5.95%
    5.95% comparison
  • ING
    Mortgage Simplifier
    Redraw
    5.99%
    6.02% comparison
  • CommBank
    Digi Home Loan (Owner Occupied)
    ExtrasRedrawOffset
    6.09%
    6.22% comparison
  • NAB
    NAB Defence Force Home Loan
    OffsetRedrawExtras
    6.09%
    6.18% comparison