Owner-builder warranty & selling (NSW)
What owner-builder warranty really is, when it applies, and what you need to know before selling an owner-built property in NSW.
This is selling-related — it is not construction-phase insurance.
What is owner-builder warranty?
Owner-builder warranty is a selling-related requirement that may apply when an owner-built property is sold within a certain period after completion.
It is designed to provide protection to future purchasers for certain defects — it is not insurance that protects you during construction.
What it is not
- It is not construction insurance
- It does not cover site accidents or damage during the build
- It does not replace Contract Works or Public Liability insurance
- It does not apply just because you were an owner-builder
When does owner-builder warranty apply?
In NSW, owner-builder warranty considerations arise when:
- The work was carried out as an owner-builder
- The property is sold within the relevant post-completion period
- The sale falls within the scope of NSW owner-builder warranty requirements
If you do not sell within that period, owner-builder warranty may not apply at all.
Why this matters in practice
- Real estate agents and conveyancers will ask about owner-builder work
- Missing records can delay or complicate a sale
- Buyers may request evidence of approvals and inspections
- Warranty obligations (if applicable) must be addressed before settlement
Records that matter when selling
Even if warranty is not triggered, buyers and professionals commonly request:
- Planning approvals (DA or CDC)
- Construction documents and approved plans
- Inspection records and compliance certificates
- Final approvals (Occupation Certificate or Certificate of Completion)
- Evidence of variations and changes