The Owner-Builder Checklist: 47 Starting Prompts
Alex wanted to start calling demo companies the week after we settled on our property. I told him he was mad. There were at least 47 things we needed to do first. I know because I made a list.
This is that list. I've organised it into seven categories as a planning starting point. The applicable items, evidence, responsible people, and sequence depend on your project. You can print this page or use Bildr to maintain your own records.
1. Legal and Permits (8 items)
Confirm current owner-builder eligibility, training, permit, consent, and application requirements
Confirm the approval pathway, consent authority, certifier or surveyor role, and appointment sequence
Obtain the current written application and document requirements for the proposed work
Check what planning, building, subdivision, demolition, or other approvals may apply
Ask whether bushfire, flood, coastal, contamination, heritage, biodiversity, or other site constraints need assessment
Obtain the current planning and property certificates relevant to the site and proposal
Have the proposed use, zoning, controls, setbacks, and approval pathway checked for the property
Investigate titles, easements, covenants, encumbrances, boundaries, services, and authority records
2. Insurance (6 items)
Ask an appropriately licensed adviser which policies, statutory schemes, limits, exclusions, and periods apply
Obtain written contract-works or construction-cover options matched to the project and site
Confirm public-liability needs, insured parties, limits, exclusions, excesses, and policy period
Verify the current licence, registration, insurance, and worker arrangements required for each contractor and role
Tell existing property insurers about the proposed work and obtain written confirmation of any change in cover
Confirm how stored materials, temporary works, hired plant, theft, weather, defects, and neighbouring property are treated
3. Design and Planning (7 items)
Confirm which architectural and site drawings must be coordinated, approved, issued, and used for pricing
Confirm the structural design, certifications, inspections, and construction issue documents required
Ask the responsible professionals what geotechnical, contamination, or site investigations are needed
Confirm boundary, feature, level, set-out, and as-built survey requirements and responsible surveyor
Confirm stormwater, drainage, flooding, erosion, and service design requirements for the site
Confirm applicable energy, sustainability, water, ventilation, and thermal-comfort documents and commitments
Arrange coordinated review against the current approval, applicable code, standards, reports, and consent conditions
4. Budget and Finance (7 items)
Build a sourced budget from the available scope, with estimates, allowances, exclusions, and uncertainty labelled
Obtain enough comparable current written proposals for material decisions and document why they differ
Obtain project-specific advice on contingency, escalation, cash reserves, finance conditions, and risk
Investigate possible professional fees, approvals, reports, utilities, temporary works, access, and site facilities
Confirm your construction loan drawdown schedule with your lender
Choose a record-keeping and payment-control process that fits lender, accounting, tax, and audit needs
Obtain project-specific tax, GST, funding, and later-sale advice from appropriately qualified advisers
5. Site Preparation (6 items)
Ask an appropriately qualified person what hazardous-material surveys, sampling, registers, or clearance evidence are needed
Obtain comparable written demolition proposals with scope, hazardous materials, services, disposal, access, and handover aligned
Confirm disconnection, protection, alteration, or temporary arrangements with each relevant service provider
Confirm site security, fencing, signage, access, public protection, and consent-condition requirements
Plan lawful waste classification, containment, transport, records, recycling, and disposal with responsible providers
Confirm any neighbour, party-wall, access, dilapidation, protection-work, or authority notice obligations
6. Trade Contracts (7 items)
Prepare a written scope that coordinates inclusions, exclusions, materials, interfaces, evidence, access, and timing
Record the agreed offer, scope, price, assumptions, terms, and authorised changes in writing
Check deposits, progress claims, evidence, due dates, retention or security, and remedies against current law and advice
Verify current licence or registration details, scope, conditions, and responsible individuals through official sources
Obtain and independently verify the insurance evidence required for the contractor, work, and contract
Obtain advice on defects, warranties, rectification, completion, termination, disputes, and statutory rights
Record target dates, prerequisites, notices, delay ownership, extensions, and updates in writing
7. Build Management Setup (6 items)
Set up a project management system to track tasks, budget, and timeline
Create a build timeline with key milestones and inspection stages
Set up a filing system for contracts, invoices, insurance certificates, and inspection reports
Obtain the exact written inspection schedule for your approval pathway
Confirm communication, booking, notice, evidence, and escalation arrangements with the certifier or approval authority
Create a communication plan with your trades (preferred contact method, response expectations)
Why This List Matters
On our project, investigation, stormwater, planning-document, and utility questions emerged later than we expected. That experience informed this list, but it does not show that the same items, sequence, cost, or delay will apply to another site.
Owner-building does not guarantee a saving or outcome. Early project administration can help expose missing information, but this checklist cannot establish that a build is ready, complete, compliant, or manageable.
Use this as a non-exhaustive starting list. Add, remove, and verify items for your documents, jurisdiction, approval pathway, contracts, and professional advice.
Ashley Brennan contributes practical owner-builder planning articles for Bildr. This checklist is a general starting point, shaped by one contributor's project experience.