A fair Frankston granny flat quote must show permits, site costs, exclusions and the 5 percent deposit cap
In Victoria, most granny flat contracts are over $20,000, so the legal deposit cap is 5 percent. A quote should also state the builder registration, permit pathway, GST, inclusions, exclusions, site-cost assumptions and progress payments. If those items are vague, the cheapest number is not comparable.
The quote identifies the real builder
The scope is specific enough to price
The contract money makes sense
Common exclusions have been dealt with
Red flags - walk away if you see these
What a compliant written quote has to state
A useful granny flat quote is not a brochure price. It should identify the builder, the address, the drawings or concept it is based on, the building class, the included floor area, the finish schedule, the permit pathway and the assumptions about the site. In Victoria, work over $10,000 generally needs a major domestic building contract before work starts. Work over $16,000 needs domestic building insurance evidence for the property before money is taken.
The quote should also make clear whether it is a fixed price, an estimate or a preliminary allowance. A fixed-price quote still depends on the documents behind it. If the soil report has not been done, the builder may be able to fix the dwelling price but only allow for the footing risk. That is acceptable if the allowance is clear. It is not acceptable if the quote hides the risk and presents a thin number as complete.
Compare the pricing guide, the site-cost estimator, the one-bedroom service page and the two-bedroom service page while you read quotes. Those pages give you enough context to challenge a missing allowance without sounding like you are guessing.
What is usually excluded and later charged as a variation
The biggest variation risks around Frankston and the Mornington Peninsula are not fancy tiles. They are site conditions. Sewer depth, stormwater detention, reactive clay, buried rubble, old asbestos sheds, tree protection, limited access and switchboard upgrades can each add $5,000 to $30,000. A quote that says "standard site costs included" needs a definition of standard.
Finishes can also be slippery. Builder’s range vinyl plank flooring is not the same allowance as engineered timber. A 600 mm laminate vanity is not the same as a wall-hung stone-top vanity. A standard aluminium window package may not deliver the NatHERS rating on an exposed Mt Eliza or Mt Martha site unless orientation, shading and glazing are considered early.
Some exclusions are fine if they are honest. Many owners prefer to handle fencing, side gates, planting, decks or a new driveway after handover. That can be the cheaper option if cash flow matters. What you do not want is a quote that excludes drainage, approvals or compliance certificates, because those are core parts of a lawful dwelling.
Have two quotes that do not line up?
Send the inclusions pages and we will tell you which missing items need pricing before you choose.
How to check the licence, registration and insurance
Ask for the exact registered builder name, registration number and company entity. Then check the public Building and Plumbing Commission register. Names matter. If the salesperson’s logo is different to the registered builder who signs the contract, ask who is legally responsible for the work, insurance and defects.
For a granny flat, the builder should be able to explain domestic building insurance, the major domestic building contract, the building permit, final occupancy paperwork and the handover certificates for plumbing, electrical, waterproofing and termite management where relevant. You do not need to become a building lawyer, but you do need to know which person is accountable.
Frankston City, Mornington Peninsula Shire and local overlays can change the planning pathway. A small second dwelling may avoid a planning permit in many Victorian circumstances, but a building permit is still required, and planning controls such as overlays, title restrictions and lots under 300 m2 can change the answer. If the project is a dual-occupancy dwelling or subdivision-ready build, treat it as a more involved planning job from the start.
Get a like-for-like granny flat quote
Send your plans or competing quote and we will reply within 1 business day with the missing items to confirm before pricing.