How much should you pay for a renovation upfront is one of the most common — and most stressful — questions homeowners ask. With stories of scams and unfinished jobs, it’s understandable to feel cautious before handing over money.

Fortunately, there are clear, reasonable norms in Australia that protect both homeowners and tradies.

In most renovation projects, a deposit is standard. However, the amount matters.

Generally:

• 5–10% upfront is common
• Higher deposits may apply for custom materials
• Full upfront payment is a red flag

A deposit should secure scheduling or cover ordered materials — not fund the entire job.

Deposits aren’t about mistrust. Instead, they help cover:

• Initial admin and setup
• Booking time in the schedule
• Ordering materials with lead times

However, deposits should always be proportional to actual upfront costs.

Beyond the deposit, payments should follow progress.

A fair structure includes:

• Deposit
• Progress payments tied to milestones
• Final payment after completion

This approach protects homeowners while allowing tradies to manage cash flow. Our paying tradies guide on this explains this in more detail.

Pause if a tradie:

• Requests full payment upfront
• Can’t explain what the deposit covers
• Pushes for cash only
• Avoids written agreements

According to the ACCC, homeowners should avoid large upfront payments without clear contracts 

How much you should pay for a renovation upfront isn’t guesswork. Reasonable deposits, staged payments, and written clarity reduce risk significantly.