Reaching the end of a building or renovation project is exciting—but it’s also a critical time to ensure everything is complete, compliant and up to the standard you’ve paid for. The final handover is when your builder formally hands over the property, and in most cases, it’s also when the final payment is due.
Understanding your rights and responsibilities at this stage can help you avoid disputes and make sure nothing’s missed before you take full possession of your home.
What is the final handover?
The final handover marks the official completion of your building contract. It’s the point at which the builder hands over the keys and control of the property shifts to you. For the builder, it’s when they confirm that the contracted works are finished and ready for occupancy.
Before this can happen, the builder must:
- Complete all contracted work, including agreed variations
- Rectify any defects identified during the practical completion inspection
- Provide necessary certificates and documentation (like occupancy or compliance certificates)
- Ensure the site is clean, safe and ready for use
When is final payment due?
The final payment is typically due at handover, once all contract obligations have been met. Your building contract will specify the payment schedule and what must be completed before the final amount is released.
Before making the final payment, ensure:
- All agreed work is complete
- Defects noted during practical completion have been rectified
- You’ve received all required documents, including warranties, compliance certificates, manuals and product information
- You’ve completed a final inspection and are satisfied with the condition of the home
Do not release the final payment if substantial issues remain unresolved. Once the final payment is made, your ability to negotiate further rectification becomes more limited.
Key documents you should receive at handover
At final handover, you should be given:
- The Certificate of Occupancy or Certificate of Final Inspection (depending on your state or territory)
- Compliance certificates from licensed trades (plumbing, electrical, waterproofing etc.)
- Manufacturer warranties for appliances, fixtures and finishes
- Operation manuals and maintenance information
- Any documentation relating to building approvals, energy ratings or council inspections
Keep all documents in a safe place for future reference or resale.
What happens if defects appear after handover?
Builders in Australia are required to provide a defects liability period (commonly 3 to 12 months, depending on the contract) during which they must return to fix any issues that emerge after handover. Major structural defects are also covered under longer statutory warranty periods—up to 6 years in most states.
If you discover issues after you’ve moved in:
- Document them with photos and notes
- Notify your builder in writing within the defects liability period
- Keep records of all correspondence and responses
Your building contract and state-based consumer protections (like those enforced by Fair Trading or Consumer Affairs) outline your rights and the builder’s obligations.
Final tips for homeowners
- Take your time during the final inspection—consider bringing a building consultant or independent inspector
- Don’t feel pressured into making the final payment before you’re satisfied
- Ask questions about warranties, servicing and future maintenance
- Make sure you understand how everything works—appliances, ventilation, heating/cooling, water systems etc.
In summary
Final handover is a major milestone in your building journey, but it’s more than just getting the keys. It’s your opportunity to make sure the build has been completed correctly, all obligations have been met, and your home is ready for you to move in. Be thorough, keep good records and only make the final payment when you’re confident everything is in order.
