What is a Code Compliance Certificate?

August 21, 2026

If you’re building a new home or carrying out consented renovations, getting building consent is only part of the process. Once the work is complete, there’s another important step: obtaining a Code Compliance Certificate.

A Code Compliance Certificate, commonly known as a CCC, is a formal document issued by a Building Consent Authority (BCA) confirming that the building work carried out under a building consent complies with that consent.

For homeowners, a CCC is an important final step in completing a consented building project. It provides a record that the work has been completed and signed off through the building consent process.

Here’s what you need to know about CCCs, from how the process works to what happens if you’re buying a home where one is missing.

What does a Code Compliance Certificate mean?

It’s easy to confuse a building consent, the Building Code and a Code Compliance Certificate, but they play different roles.

A building consent is approval to carry out proposed building work in accordance with the plans and specifications submitted with your application.

The New Zealand Building Code sets the minimum performance standards that building work must meet.

A Code Compliance Certificate comes at the other end of the process. Under the Building Act 2004, it is a formal statement that the building work carried out under a building consent complies with that consent.

In simple terms, you can think of the process like this:

Building consent → Building work and inspections → Code Compliance Certificate

The CCC effectively closes the loop on the building consent process.

Importantly, a CCC shouldn’t be considered a guarantee that a home will never develop a defect or require maintenance. It confirms compliance with the building consent rather than providing a general warranty over every aspect of the property.

When do you need a Code Compliance Certificate?

A CCC relates to work carried out under a building consent.

That can include projects such as:

building a new home
adding a consented extension
making structural alterations
carrying out certain plumbing or drainage work
other renovations or alterations that require building consent.

Not all building work requires building consent. Some work is exempt under the Building Act, which means there may be no building consent or CCC associated with that work.

If you’re unsure whether planned work requires consent, check with your local council or seek professional advice before starting.

Who is responsible for getting the CCC?

Under the Building Act, the building owner must apply for a CCC once all the building work covered by the consent has been completed. The application should be made as soon as practicable after completion.

In practice, your builder, designer, project manager or another representative may help coordinate the application and supporting documentation, depending on how your project and building contract are structured.

It’s worth establishing who will manage this process before construction begins. More importantly, getting a CCC shouldn’t be something everyone starts thinking about when the building work is finished.

On a well-managed project, the process starts with understanding the building consent and continues throughout construction. Required inspections need to happen at the appropriate stages, changes need to be properly managed, and important documentation needs to be collected along the way.

Trying to resolve all of this retrospectively can make getting CCC considerably more complicated.

How do you get a Code Compliance Certificate?

While the exact requirements will depend on the project, the process will generally look something like this:

Complete all building work covered by the building consent.
Make sure all required inspections have been carried out.
Address any outstanding items identified during inspections.
Gather the certificates, Records of Building Work and other documentation required for your project.
Apply to the relevant Building Consent Authority for a CCC.
Provide any further information the BCA reasonably requests.
The BCA assesses the application and decides whether to issue the CCC.

The application is generally made to the BCA that granted the original building consent.

The documentation required will depend on the work involved. For example, an application may need to include Records of Building Work from Licensed Building Practitioners where restricted building work has been carried out, along with applicable certificates for prescribed electrical or gas work.

Your building consent documentation should identify many of the inspections and records required for your particular project.

What does the council check before issuing a CCC?

The BCA needs to be satisfied on reasonable grounds that the completed building work complies with the building consent.

This isn’t necessarily a matter of simply completing one final inspection.

Depending on the project, the BCA may consider whether:

the required inspections were completed during construction
work was completed in accordance with the approved building consent
approved amendments or variations have been appropriately dealt with
outstanding inspection items have been resolved
required Records of Building Work have been provided
applicable producer statements and supporting documentation have been supplied
relevant electrical or gas certificates have been provided.

Every building project is different, so the exact requirements will depend on your building consent and the work completed.

This is one reason good project management matters. If an inspection is missed or important documentation can’t be found at the end of a project, establishing compliance can become much harder.

How long does a Code Compliance Certificate take?

Once an application has been made, the BCA generally has 20 working days to decide whether to issue the CCC.

However, that doesn’t necessarily mean you’ll receive your CCC exactly 20 working days after applying.

If the BCA reasonably requires further information, the statutory processing period can be suspended until that information is provided. The BCA and owner can also agree to a further period where required.

Missing paperwork, unresolved inspection issues or differences between the approved consent and completed work can therefore extend the overall process.

The best way to help avoid unnecessary delays is to keep the project documentation organised and address issues as they arise during construction rather than leaving them until the end.

What happens if a CCC is refused?

If the BCA isn’t satisfied on reasonable grounds that the building work complies with the building consent, it may refuse to issue a CCC.

That doesn’t necessarily mean the entire building is defective.

There could be outstanding information or documentation, incomplete work, an unresolved inspection issue, or differences between what was approved and what was actually built.

If your CCC is refused, start by finding out exactly why.

Depending on the issue, you may need to:

provide additional documentation
complete outstanding work
remedy non-compliant work
resolve changes that differ from the approved building consent
involve your builder, designer, engineer or other relevant professional.

The important thing is to deal with the specific reasons given by the BCA rather than guessing at what might be required.

Can you live in a house without a CCC?

For a typical private home, the absence of a CCC doesn’t necessarily provide a simple yes or no answer to whether you can live there.

Whether a home can or should be occupied before a CCC is issued will depend on the circumstances. There may also be contractual, insurance, lending or regulatory considerations to work through.

However, a missing CCC can have wider implications, including contractual requirements and questions from insurers, lenders or future buyers.

Different rules can also apply to premises intended for public use.

If you’re considering moving into a newly built or substantially renovated home before CCC has been issued, talk to your builder and BCA and check any relevant requirements with your insurer and lender.

Can you sell a house without a CCC?

A property can have building work for which a CCC hasn’t been issued, but that missing CCC may become an important issue during a sale.

A prospective buyer or their lawyer may identify the outstanding consent when reviewing the property’s LIM or council records. A building inspector may also identify work that warrants further investigation.

That can lead to questions such as:

What work was covered by the consent?
Why wasn’t a CCC issued?
Were all the required inspections completed?
Does the completed building match the consented plans?
Is any work outstanding?
Can the consent still be resolved?
Will the buyer’s bank and insurer accept the property?

Depending on the answers, a buyer may seek further professional advice, make their offer conditional on the issue being resolved, renegotiate their offer or decide not to proceed.

If you know your property has an outstanding building consent, it’s usually better to investigate it before putting the property on the market rather than waiting for a prospective buyer to discover it.

Buying a house without a CCC: what should you check?

Finding out that a home doesn’t have a CCC doesn’t automatically tell you whether the property is a good or bad purchase.

What matters is understanding what work was carried out, what approvals it had and why the CCC is missing.

Before committing to a property, consider:

identifying exactly which building work doesn’t have a CCC
establishing when the work was carried out
checking the original building consent and council property records
comparing the approved plans with the building as it stands today
finding out which inspections were completed
determining whether there are outstanding council requirements
obtaining advice from an experienced building professional
discussing the issue with your lawyer
checking the potential implications with your lender and insurer.

Don’t assume an outstanding consent will be straightforward to resolve after you’ve bought the property.

The older the work is, the more difficult it can sometimes be to establish what happened during construction, particularly if records are incomplete or parts of the building are no longer accessible for inspection.

What if an older house doesn’t have a CCC?

Older properties can be more complicated.

You might discover a building consent from many years ago where no CCC was ever issued. Alternatively, you might discover alterations for which there appears to be no building consent at all.

These are two different situations and shouldn’t be treated as the same problem.

If a building consent exists but no CCC was issued, start by talking to the council about the status of that consent and what information it holds.

The age of the work, inspection records, documentation available and ability to establish compliance can all affect what happens next.

If work was carried out without a required building consent, a Certificate of Acceptance may be relevant in some circumstances.

What’s the difference between a CCC and a Certificate of Acceptance?

A Certificate of Acceptance (COA) and Code Compliance Certificate serve different purposes.

A CCC relates to work that was carried out under a building consent. It confirms that the BCA is satisfied on reasonable grounds that the building work complies with that consent.

A Certificate of Acceptance can be available in certain circumstances for building work carried out without the required consent, generally where the work was completed after 1 July 1992. There are also some specific circumstances where a COA can apply when a CCC cannot be issued.

A COA is not simply a substitute you can apply for whenever an old building consent doesn’t have a CCC.

When assessing an application for a COA, the council can only certify the parts of the work it can reasonably inspect and establish compliance for. That can be particularly important when completed work is concealed behind walls, floors or other building elements.

If you’re dealing with unconsented work or an older unresolved consent, speak to your council and obtain appropriate professional advice about the options available.

Does a CCC mean your home has no defects?

No. This is an important distinction for homeowners.

A CCC confirms that the BCA is satisfied on reasonable grounds that the building work complies with the building consent. It isn’t a guarantee that nothing will ever go wrong with the home, nor does it replace good workmanship, appropriate maintenance or any warranties that apply to the work.

That distinction is particularly useful when buying an existing property. Seeing a CCC on the council file is important, but it doesn’t remove the value of carrying out appropriate due diligence before purchasing.

How a good builder can help you get to CCC

Getting CCC is the end of a process that begins well before the final inspection.

An experienced professional builder understands that the work needs to stay aligned with the approved consent throughout the build. They can also help coordinate inspections at the correct stages, keep relevant construction records organised and identify changes that need to be dealt with before they create problems at completion.

For homeowners, there are a few simple things worth discussing with your builder:

Who is booking the required inspections?
Who is keeping track of inspection outcomes and outstanding items?
How will changes from the approved plans be managed?
Who is collecting the documentation required for CCC?
Who will coordinate the CCC application when construction is complete?

These might not be the most exciting questions you’ll ask during a building project, but getting them sorted early can make the completion and handover process much smoother.

Frequently asked questions about Code Compliance Certificates

Is a CCC the same as a building consent?

No. A building consent is obtained before building work starts and approves the proposed work. A CCC is issued after the work is completed, once the BCA is satisfied that the work complies with the building consent.

Who issues a Code Compliance Certificate?

A CCC can only be issued by a Building Consent Authority. Usually, this will be the BCA that issued the original building consent.

Who applies for the CCC?

The building owner has the legal responsibility to apply once all work under the building consent is complete. Depending on your project arrangements, your builder or another representative may help manage the application on your behalf.

How do I know whether my house has a CCC?

Start by checking the records held by your local council. A property’s LIM or council property file may contain information about building consents and CCCs associated with the property.

Can a CCC expire?

A CCC is a record relating to the building work carried out under a particular building consent. It isn’t something homeowners periodically renew in the way they might renew a licence or certificate for another purpose.

Can I get a CCC for old building work?

Potentially, but it depends on the circumstances. If an old building consent remains without a CCC, talk to the BCA that issued the consent about what would be required for it to assess the work. Age, available records, inspections and the ability to establish compliance may all be relevant.

Is a Certificate of Acceptance the same as a CCC?

No. A Certificate of Acceptance is used in specific circumstances, commonly for work that was carried out without a required building consent. It isn’t a general replacement for a missing CCC.

Getting it right from the start

A Code Compliance Certificate might be the document you receive at the end of a consented building project, but achieving it successfully depends on what happens throughout the build.

Good planning, following the approved consent, completing inspections at the right stages and keeping accurate documentation can all make a significant difference.

If you’re planning a new home or renovation, working with an experienced, qualified builder gives you someone who understands the building process and can help you navigate it from the first plans through to completion.

NZCB Approved Builders meet strict entry criteria and have access to industry support and resources designed to help them deliver quality building work.

Find an NZCB Approved Builder in your area and start your project with confidence.

Further information

For official information about Code Compliance Certificates, building consents and Certificates of Acceptance, visit Building Performance, the Ministry of Business, Innovation and Employment’s building system information resource, or speak to your local Building Consent Authority.

Disclaimer: This article provides general information for New Zealand homeowners and isn’t legal, financial or building consent advice. Requirements can vary depending on the property, building work and Building Consent Authority. Seek appropriate professional advice for your circumstances.

12.1	Part G of the Schedule contemplates that the Parties will elect who is responsible for arranging the contract works insurance. If the Parties have not made that election or if their intention is unclear, then the Owner must arrange contract works insurance if the Building Work involves changes, alterations, renovations, restoration, repairs or maintenance to existing structures, and the Builder is responsible for arranging contract works insurance if the Building Work involves constructing an entirely new stand-alone structure. Irrespective of who arranges the contract works insurance, the excess on a contract works claim is payable by the Owner. Given that such insurance typically expires on Practical Completion, the Owner must ensure that the Building is insured from that point onwards.
12.2	The amount insured must be at least as much as the Original Contract Price, plus an allowance for Owner-supplied materials, expediting expenses, removal of debris, professional fees, increased costs during construction, increased costs during reconstruction, and materials in storage (off the Project site). Unless otherwise agreed, the allowances for these items shall be those shown in Part G of the Schedule, and if no allowance is made in that Part for any item then the allowance must be reasonable in the circumstances.
12.3	The Owner must arrange contract works insurance against loss or damage to the Owner’s existing structures made available by the Owner to enable the performance of the Building Work, or existing structures adjacent to the Building, and to the Owner’s contents. This insurance must be for the full replacement value, and for consequential loss arising from loss or damage to those structures and contents.
12.4	The Builder must arrange public liability insurance for loss or damage to any property, or illness, injury or death to any person, that arises from the performance of the Building Work.
12.5*	In the event of loss or damage to any part of the Building which is not caused by the Builder or any party for whom the Builder is responsible:
	a.	The Builder is not required to carry out any restoration work at the Builder’s own expense.
	b.	The Builder will restore all loss or damage to the Building and the restoration work will be treated as a Variation.
	c.	The restoration work will be paid for from the proceeds of the contract works insurance.
	d.	If the delay in confirming insurance cover after loss or damage to the Building has occurred is such that the Builder can no longer reasonably afford to maintain spare capacity to perform the Building Work when required, the Builder may suspend the Building Work as if clause 20.2 applied, and if the Builder has not cancelled the contract in the meantime, the Builder shall not be obliged to resume the Building Work until the Builder’s commitments reasonably allow for a resumption.
12.6	If this Contract is completed on-line, and either Party has selected the option to apply for a contract works policy marketed under the “REDi” brand, then an application for such a policy will be automatically generated from the information entered into the Schedule of this Contract.
12.7	The insurance broker responsible for arranging the REDi contract works policy and the underwriter(s) to whom the application is submitted together with their respective representatives or agents are authorised to obtain from, and disclose to, any other party any information they consider relevant to the assessment of the application for the policy.
12.8	For the purpose of section 12 of the Contract and Commercial Law Act 2017, the provisions in this Part 12 are intended to create obligations enforceable by the insurance broker and the underwriter(s) referred to in clause 12.7 and their respective representatives or agents, whether or not they are parties to this Building Contract.

4.1	This is a building contract in which the total price payable for the Building Work is not fixed, specified, or known at the time of entering into the Contract. Instead, the progress payments and the Final Contract Price are to be calculated by reference to the actual costs incurred by the Builder in carrying out the Building Work, plus a Margin for the Builder’s Off-site Overheads and profit. The Parties may have chosen to enter into this form of building contract for any number of reasons, including that it is too difficult for the Builder and/or the Owner to accurately predict the precise scope of the Building Work at the outset, or the Building Work involves innovative systems or materials the cost of which is largely unknown, or to avoid the administrative burden of having to recalculate a fixed contract price each time a component of the work changes, or simply because it is their preference to do so. While this inevitably involves some uncertainty as to what the Final Contract Price will eventually amount to, it has the advantage that at the conclusion of the Building Work the Owner will have become liable to pay no more and no less than the value of the Building Work and materials the Owner has actually received.
4.2	The progress payments and the Final Contract Price payable to the Builder shall therefore be calculated by reference to the hours of work expended by the Builder and the Builder’s employees and contractors in carrying out the Building Work, plus the materials and other direct costs incurred by the Builder in carrying out the Building Work, using the rates set out in Part F of the Schedule. Onto those amounts shall then be added the Margins for the Builder’s Off-site Overheads and profit, calculated by reference to the percentages shown in Part F of the Schedule.
4.3	The Builder shall be entitled to charge for and recover all costs that the Builder would not have incurred but for the Building Work, and that are reasonably necessary to carry out the Building Work to the standard required by this Contract, plus the relevant Builder’s Margins. Those costs include (without limitation):
	a.	The Builder’s own labour and labour performed by the Builder’s employees and contractors.
	b.	Products or services from subcontractors or specialist trades.
	c.	Professional advice such as architecture and engineering.
	d.	Building materials and consumables.
	e.	Hireage of tools, plant, equipment, appliances or vehicles.
4.4	The cost of labour shall be calculated using the labour rates set out in Part F of the Schedule, or where no rates have been specified in any particular case, at the prevailing market rates for the personnel in question. The labour rates set out in Part F of the Schedule apply to normal working hours and days, and in calculating working hours no deduction shall be made for work breaks that are reasonably necessary for the consumption of food or beverages or to ensure the continued health, safety, productivity and efficiency of the relevant personnel. Where in order to comply with the Builder’s obligations under this Contract it is reasonably necessary for the Builder and/or the Builder’s employees and subcontractors to carry out Building Work outside of normal working hours or on weekends or public holidays, and the Builder is required to pay penal or overtime rates as a result, those penal or overtime rates shall be included in the calculation of the cost of the Building Work.
4.5	All the costs of the Building Work apart from labour shall be calculated by reference to the invoice issued to the Builder for the relevant item, or if no invoice was issued, by reference to what the Builder actually paid. Where such costs cannot be separately identified or accurately ascertained through timesheets, invoices or otherwise, the cost of those items shall be calculated having regard to the prevailing market price for the relevant items.
4.6	The rates set out in Part F of the Schedule shall be adjusted for any increase in the rates charged by subcontractors that could not reasonably have been foreseen by the Builder at the time this Contract is signed by the Builder, and which would otherwise have the effect of eroding the Builder’s profit margin. The Builder must be able to substantiate the increase by reference to written evidence such as quotations, communications or invoices from the relevant subcontractor, clearly demonstrating the rates that were first advised to the Builder when Part F of the Schedule was completed, and the rates subsequently charged. The Builder shall whenever reasonably practicable, resist any rate increases and procure subcontracts on the basis of fixed rates that cannot be increased during the course of the Building Work.
4.7	If any of the subcontractor rates set out in Part F of the Schedule decrease for any reason (other than rebates or discounts provided to the Builder as a result of such factors as loyalty, volume of business, enticement to form a new or long term trading relationship, or membership of a trade association or cooperative company), the decreased rate(s) shall be used in the calculation of all progress payments and the Final Contract Price from the time that the decrease takes effect.
4.8	Either prior or subsequent to the Parties entering into this Contract, the Builder may have given or may give to the Owner or the Owner’s representative(s) an estimate, indication, projection, guess, intimation, prediction or similar communication (together referred to as an “estimate”) as to what the Final Contract Price or any component of it is likely to turn out to be. It is common for building owners to request an estimate and it is common for builders, in good faith and out of a desire to be helpful, to comply with that request, or indeed to offer an estimate unsolicited. The Parties acknowledge that even the most carefully calculated estimate can in hindsight prove to be grossly pessimistic or optimistic, and it is impossible for the Builder to accurately predict what the final outcome of the Project will be, given that so many factors are outside the Builder’s control.
4.9	The Parties have chosen this form of contract rather than a fixed price contract because they have agreed that the Final Contract Price will be determined by the hours of work and the materials and other direct costs that are ultimately involved, and the margin applied to those items. By definition, those hours and those costs cannot be known in advance. The Parties therefore expressly record that any such estimate that may have been or may be provided by the Builder – assuming the Builder used the term “estimate” or some reasonably equivalent expression – shall only represent the Builder’s best guess, based on the Builder’s experience and what the Builder knows about the Project itself to date. The Builder agrees to take reasonable care in calculating any estimate that may be given, and to keep the Owner regularly informed, by the provision of periodic invoices or otherwise, of the amount paid and payable to the Builder in respect of the Building Work at any given time.
4.10	A price estimate is fundamentally different from an undertaking, promise, commitment, statement, assurance, warranty or representation (together referred to as a “representation”) that the total contract price will amount to, or will not exceed, a stated or fixed sum. If the Builder has given such a representation, then that will bind the Builder in accordance with its terms. However the representation must be reasonably inferred from the wording used. For example if either of the Parties has, without full knowledge of the legal significance, mistakenly described an estimate as a “quote” or used some other wording that might suggest a representation that would be enforceable in law, then that will not constitute a representation if the Parties did not intend it to have that effect.

13.1	Part H of the Schedule contemplates that the Parties will elect who is responsible for arranging the contract works insurance. If the Parties have not made that election or if their intention is unclear, then the Owner must arrange contract works insurance if the Building Work involves changes, alterations, renovations, restoration, repairs or maintenance to existing structures, and the Builder is responsible for arranging contract works insurance if the Building Work involves constructing an entirely new stand-alone structure. Irrespective of who arranges the contract works insurance, the excess on a contract works claim is payable by the Owner. Given that such insurance typically expires on Practical Completion, the Owner must ensure that the Building is insured from that point onwards.
13.2	The amount insured must be at least as much as the Original Contract Price, plus an allowance for Owner-supplied materials, expediting expenses, removal of debris, professional fees, increased costs during construction, increased costs during reconstruction, and materials in storage (off the Project site). Unless otherwise agreed, the allowances for these items shall be those shown in Part H of the Schedule, and if no allowance is made in that Part for any item then the allowance must be reasonable in the circumstances.
13.3	The Owner must arrange contract works insurance against loss or damage to the Owner’s existing structures made available by the Owner to enable the performance of the Building Work, or existing structures adjacent to the Building, and to the Owner’s contents. This insurance must be for the full replacement value, and for consequential loss arising from loss or damage to those structures and contents.
13.4	The Builder must arrange public liability insurance for loss or damage to any property, or illness, injury or death to any person, that arises from the performance of the Building Work.
13.5	In the event of loss or damage to any part of the Building which is not caused by the Builder or any party for whom the Builder is responsible:
		a.	The Builder is not required to carry out any restoration work at the Builder’s own expense.
		b.	The Builder will restore all loss or damage to the Building and the restoration work will be treated as a Variation.
		c.	The restoration work will be paid for from the proceeds of the contract works insurance.
		d.	If the delay in confirming insurance cover after loss or damage to the Building has occurred is such that the Builder can no longer reasonably afford to maintain spare capacity to perform the Building Work when required, the Builder may suspend the Building Work as if clause 20.2 applied, and if the Builder has not cancelled the contract in the meantime, the Builder shall not be obliged to resume the Building Work until the Builder’s commitments reasonably allow for a resumption.
13.6	If this Contract is completed on-line, and either Party has selected the option to apply for a contract works policy marketed under the “REDi” brand, then an application for such a policy will be automatically generated from the information entered into the Schedule of this Contract.
13.7	The insurance broker responsible for arranging the REDi contract works policy and the underwriter(s) to whom the application is submitted together with their respective representatives or agents are authorised to obtain from, and disclose to, any other party any information they consider relevant to the assessment of the application for the policy.
13.8	For the purpose of section 12 of the Contract and Commercial Law Act 2017, the provisions in this Part 13 are intended to create obligations enforceable by the insurance broker and the underwriter(s) referred to in clause 13.7 and their respective representatives or agents, whether or not they are parties to this Building Contract.

9.1	The Builder shall commence the Building Work within a reasonable time after:
	a.	the Contract has been signed by both parties; and
	b.	any deposit payable in accordance with clause 7.2 has been paid; and
	c.	any necessary Building Consent or resource consent or other requisite consents or licences or consent amendments have been issued.
9.2	Unless otherwise agreed in writing between the Parties, the Owner shall obtain all project information memoranda, Building Consents, resource or other consents or licences, and consent amendments required for the Building Work.
9.3	The Owner shall promptly provide all information reasonably required by the Builder to enable the Builder to comply with the Builder’s obligations under this Contract, whether prior to the commencement of, during the performance of, or after the completion of the Building Work.
9.4	The expected completion date stated in Part B of the Schedule shall be automatically extended by a reasonable time where delays arise due to:
	a.	Variations;
	b.	Any strike, lockout, or other industrial action;
	c.	Loss or damage to the Building Work other than loss or damage caused by the Builder’s breach of its obligations under this Contract;
	d.	Flood, volcanic, or seismic events;
	e.	Inclement weather;
	f.	Failure to obtain consent or approval through no fault of the Builder;
	g.	Failure by the Owner to give timely directions;
	h.	Unforeseen physical conditions;
	i.	The Builder exercising its right to suspend the Building Work under this Contract;
	j.	Act, omission or default by the Owner or any person for whose acts or omissions the Owner is responsible;
	k.	A separate contractor’s act or omission;
	l.	Unavailability or shortage of materials;
	m.	Any other event which is beyond the reasonable control of the Builder and for which the Builder is not responsible.

7.1	The Builder is not obliged to commence the Building Work until any deposit payable in accordance with clause 7.2 has been paid.
7.2	The Deposit shall be paid by the Owner upon signing the Contract. The Deposit shall be held by the Builder and applied towards payment of the final invoice, or as provided by clause 20.9 or clause 21.4. The Deposit is therefore not to be treated as a progress payment. If the final invoice is less than the Deposit then the Builder shall pay the Owner the balance of the Deposit upon issuing the final invoice.
7.3	The Owner shall make progress payments to the Builder for Building Work completed and materials supplied, including any adjustments for Provisional Sums, cost fluctuations or Variations, up to the end of the applicable period or stage of work. The payments shall be made into a bank account provided by the Builder via internet banking or direct deposit, unless the parties agree on a different payment method.
7.4	Where the parties have agreed to progress payments at completion stages (Option A in Part E of the Schedule) the Builder may issue an invoice at any time after a relevant stage of completion is reached. If a completion stage cannot be reached due to matters beyond the Builder’s reasonable control, and one month has elapsed since the previous invoice, the Builder may invoice for the proportion of that completion stage that has been reached.
7.5	Where the parties have agreed to progress payments at the end of defined periods of time (Option B in Part E of the Schedule) the Builder may issue an invoice for the Building Work completed up to the end of each such period. Any invoice issued in advance of the end of the relevant period (other than a final invoice) shall be deemed to have been issued on the last working day of that period.
7.6	The Owner must pay the invoiced amount in full within 5 Working Days of the invoice being delivered or sent to the Owner or such other time as is stated in Part F of the Schedule. If the Owner does not consider that all or any part of the invoiced amount is payable, the Owner must, within 5 Working Days after the invoice was delivered or sent to the Owner:
	a.	reply in writing to the Builder stating the amount that the Owner considers payable (the undisputed amount), and
	b.	specifying the reasons why any part of the invoiced amount is disputed, and the method in which the disputed amount has been calculated; and
	c.	pay the undisputed amount.
7.7	If the Builder’s invoice is or is accompanied by a payment claim made under the CCA, then any payment schedule as defined in section 5 of that Act must be provided to the Builder within 5 Working Days of the payment claim being served on the Owner.
7.8	The Owner shall pay progress payments on the due dates, irrespective of when the Owner’s bank or financier is prepared to advance any monies required by the Owner in order to meet the Owner’s payment obligations under this Contract. It is the Owner’s responsibility to ensure that sufficient funds are available to comply with the Owner’s payment obligations under this Contract. The issue of a Code Compliance Certificate is not a prerequisite to Practical Completion or the Builder’s entitlement to payment of the final invoice.
7.9	The Owner may at any time request the Builder to provide a receipt or statement recording or evidencing the payments received from the Owner.
7.10	The Parties will comply with their obligations (if any) under Subpart 2A of the CCA (which requires certain retention monies to be held on trust or otherwise secured) to the extent that Subpart 2A applies to this Contract. The purpose of this provision is to ensure that an adjudicator appointed under the CCA or an arbitrator appointed under the Arbitration Act 1996 has jurisdiction to make a determination in respect of any such obligations, as if they were expressly incorporated into this Contract.