When should I pay a builder or trade, and how much deposit is reasonable?

Check the lawful deposit, payment terms and any required insurance evidence before paying. Limits depend on the jurisdiction, work and contract value. Assess progress claims against the contract and applicable law, and independently verify bank details. Avoid agreeing to advances without checking whether they are lawful and protected. If you dispute a claim, act promptly: an ordinary invoice can trigger statutory payment procedures where the relevant law applies. Do not assume a disagreement pauses the deadline.

Official sources:

• NSW Contracts for residential building work
• CAV Deposits and payments for domestic building
• QBCC Request payment

General information only. Requirements vary by state or territory and change over time, so check the current rules for your location.