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Terms & Conditions

Contract & Agreements

Cost Plus contracts and/or Fixed price contracts are provided by Michael Downing Constructions for all building works. The contracts are supplied by the Housing Institute of Australia (HIA) of which we are a member.

A copy of the Consumer Building Guide can be viewed at the Department of Fair Trading Website

Payment Terms

Upon a written contract being entered into, the following payment terms apply:

  • Initial deposit to be paid prior to building works commencing
  • (10% for works under $20,000 & 5% for building works over $20,000)
  • Invoices for works to be submitted as per payment schedule, or weekly for Cost Plus Contracts
    (this will be provided with your copy of the contract)
  • Payment is to be made within 5 working days of each invoice
  • Method of payment is by direct deposit and/or cheque
  • Payment via direct deposit and cheque is to be cleared within the 5 days from the date of invoice
  • Final invoice payable on completion of all works

All payment details are subject to the Building and Construction Industry Security of Payment Act 1999 NSW. This act can be viewed at the Department of Commerce Website

Insurance Details

Home Warranty Insurance

All residential building works over the value of $12,000 require Home Warranty Insurance. This is legally required under the Home Building Act 1989. The cost of this insurance will be outlined in the quotation/contract and a copy provided to the client.

Provider: QBE Insurance
Provider No.: 18-000-7869-BWI-2

Public Liability

Provider: Allianz
Policy No.:
Click here to view copy of insurance certificate

Workers Compensation

Provider: QBE Workers Compensation
Policy No.: 1GF0044603GWC154
Click here to view copy of insurance certificate


Provider: Cbus Superannuation
Provider No.: 126717

Consumer Information

Builders Licence

The Department of Fair Trading are a government organisation that provide consumers with information on building services. One of the important features of the DOFT is there licence check facility.
This facility allows you to complete a licence check online. They recommend that consumers complete a licence check before entering into a contract with a builder to ensure that you only deal with a licensed builder.

Michael Downing Constructions Pty Ltd Licence No.: 178634C
Michael Downing Building Licence No.: 96318C

To complete a licence check, click on this link
Click here to view copy of licences

Housing Industry of Australia (HIA)

HIA provides information and services for both consumers and builders. Michael Downing Constructions are a current member of the industry to ensure that we are current with all the industry legislations.

Visit the HIA website here: