What are my obligations to settle on time, and can settlement be extended, in Queensland?

Settlement obligations are the requirements each party must meet to complete the purchase on the agreed date. In Queensland this is a 'time is of the essence' duty — each party must be ready to settle by the contract deadline, or the other may terminate or enforce — though either party may unilaterally extend the settlement date by giving notice, with longer extensions needing mutual agreement.

QLD extension rights at a glance

QuestionQueensland
Who can extend?Either party — buyer or seller
How long?Up to five business days in total
By when must notice be given?Any time up to 4pm AEST on the settlement date
Is a reason needed?No — it can be exercised for any reason, by either party
Longer than five days?Requires the other party's agreement
If you still can't settleThe other party may terminate or enforce the contract, and may claim compensation

The settlement date is strict. "Settlement date" is a legal term meaning you must perform your obligations strictly by the due date. Subject to any right of extension a party is entitled to exercise, each party must be able to settle by 4pm AEST on the settlement date; otherwise the other party may either terminate or seek to enforce the contract. In both cases there may also be a claim for compensation.

The unilateral 5-business-day extension right (QLD-specific). The Standard Contract terms give both parties a right to extend the settlement date by a period of up to five business days without requiring agreement by the other party. A party wishing to exercise this right may give notice of the extension at any time up to 4pm on the settlement date. Although this extension right was included primarily to protect Buyers against the potentially unfair results of being unable to settle due to financier delays, it is available to both parties and may be exercised for any reason. You should therefore not assume settlement will take place on the nominated settlement date. The right may only be used to extend the settlement date; if you cannot settle for any reason (e.g. financier delay), it is appropriate to exercise the extension to avoid the consequences of failing to settle on time. The right is limited to a total period of five business days — any further extension requires the agreement of the other party.

What counts as a business day. If anything is to be done on a day that is not a business day, it must be done on the next business day. Business days are days other than: (1) any public holiday in the Place for Settlement as stated in the Reference Schedule to the contract for settlement (including if using PEXA) — if there is no locality stated in the Reference Schedule, this may not apply; (2) any day in the period 27 December to 31 December (inclusive); and (3) Saturdays and Sundays. This date calculation does not apply to statutory dates (e.g. the statutory cooling-off period). Because most transactions use electronic conveyancing for settlement, if the settlement date falls on a day on which both the Sydney and Melbourne offices of the Reserve Bank of Australia are closed, the settlement date is taken to be the next business day.

Buying · Settlement · QLD

Settlement obligations and extension rights in practice

In our experience with Queensland contracts, the phrase that catches buyers out is "time is of the essence."

  • Buyers often treat the settlement date as a target rather than a hard deadline. In QLD each party must be ready to settle by 4pm AEST on the day, or the other side can terminate or enforce the contract and claim compensation.
  • A common one is a financier running late. Many buyers don't realise the Standard Contract lets either party unilaterally extend settlement by up to five business days, by giving notice any time up to 4pm on the settlement date.
  • Others assume the other side will always agree to more time — but anything beyond those five business days needs mutual agreement.

What we do is watch that deadline closely and exercise the five-business-day extension promptly when a delay looms, rather than risk defaulting.

The takeaway: in QLD, settle by 4pm on the date or use the five-business-day extension — don't let the deadline pass unprotected.

Common questions

Can the other party extend settlement without my agreement in QLD?

Yes. Under the Standard Contract either party may unilaterally extend the settlement date by up to five business days for any reason, so long as notice is given by 4pm on the settlement date.

What happens if I can't settle by 4pm on the settlement date in QLD?

If you have not extended, the other party may terminate or enforce the contract, and may also claim compensation.

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