A tenant who stops paying rent creates immediate cash flow problems. In New South Wales, you cannot change the locks or remove their belongings. You must issue the correct termination notice, wait the required period, then apply to the NSW Civil and Administrative Tribunal (NCAT) for orders.
For the forms, fees and each step, see our guide to making an NCAT application.
This guide walks through the NCAT application process for unpaid rent, from the first missed payment to enforcement.
When You Can Terminate for Unpaid Rent
You can issue a termination notice once the tenant is at least 14 days behind on rent. The notice must give the tenant 14 days to either vacate or pay the full amount owing.
If the tenant is less than 14 days in arrears, you cannot yet issue a termination notice. You can send a reminder or payment demand, but you must wait until they reach 14 days behind.
The termination notice must be in the approved form (Form 1) and must state the exact amount owing and the termination date.
Step 1: Issue the Termination Notice
Your termination notice must:
- Be in writing using the approved NSW Fair Trading form
- State the ground for termination (non-payment of rent)
- Specify the exact amount of rent owing
- Give the tenant 14 days to vacate or pay the full amount
- Be properly served (hand-delivered, posted, or emailed if the tenancy agreement allows it)
If the tenant pays the full amount before the termination date, the notice is void and the tenancy continues. Partial payment does not void the notice.
Keep a copy of the notice and proof of service. You will need both for your NCAT application.
Ready to put it in writing?
Answer 3 quick questions to check you have the details your document needs, and see your next step.
1. Who is this about?
2. How much is at stake?
3. Do you have it in writing?
Your result is ready. Where should we send it?
Step 2: Wait for the Notice Period to Expire
You cannot apply to NCAT until after the termination date in your notice. If you issued a notice on 1 March giving 14 days, the termination date is 15 March. You can apply to NCAT from 16 March onwards.
During this period, the tenant may pay the full amount, negotiate a payment plan, vacate the property, or do nothing. You are not obliged to accept a payment plan.
If the tenant remains in the property after the termination date without paying, you need an NCAT order to proceed.
Step 3: Lodge Your NCAT Application
Apply to NCAT using the online portal or by submitting a paper application. The form is called Application for a termination and possession order (Form 3).
You will need:
- Completed Form 3
- Copy of the tenancy agreement
- Copy of the termination notice you issued
- Proof the notice was served
- Rent ledger showing all payments and arrears
- Details of the bond lodged with NSW Fair Trading
- Filing fee (filing fees change each 1 July; check the current fee on NCAT’s website before you lodge)
NCAT will allocate a hearing date. Both you and the tenant will receive a notice of hearing.
Evidence You Need for the Hearing
NCAT makes orders based on evidence. Bring:
- Original or certified copy of the tenancy agreement
- Rent ledger showing every payment and missed payment
- Bank statements proving rent was not received
- Copy of the termination notice and proof of service
- Any correspondence with the tenant about the arrears
- Photos or inspection reports if you are also claiming damage
Organise your documents chronologically. Clear, well-prepared evidence speeds up the hearing.
What Happens at the NCAT Hearing
NCAT hearings are less formal than court but remain legal proceedings. The tribunal member will:
- Confirm identities and check both parties are present
- Explain the process and the orders being sought
- Ask you to present your case and evidence
- Give the tenant an opportunity to respond
- Ask questions to clarify the facts
- Make orders or reserve their decision
Most hearings for straightforward rent arrears take 15-30 minutes. If the tenant disputes the amount or raises a defence, the hearing may take longer or be adjourned.
Orders NCAT Can Make
If NCAT is satisfied the tenant owes rent and the termination notice was valid, the tribunal can make:
- Termination order — ending the tenancy on a specified date
- Possession order — requiring the tenant to vacate by a specified date
- Money order — requiring the tenant to pay the rent arrears and potentially the filing fee
The tenant typically has 7-14 days to vacate after a possession order. If they do not leave, you can apply to the Sheriff’s Office to enforce the order.
NCAT can also order compensation for damage beyond normal wear and tear, cleaning costs, or costs of re-letting the property if the tenant broke a fixed-term lease.
If the Tenant Does Not Attend
If the tenant does not appear and you have proof they were properly notified, NCAT will usually proceed in their absence. You still need to prove your case with evidence.
If the tenant has a reasonable excuse (medical emergency, not properly notified), they can apply to have the orders set aside and the matter re-heard.
Enforcing the Orders
Once NCAT makes a possession order, the tenant must vacate by the date specified. If they do not:
- Wait until the day after the possession date
- Apply to the Sheriff’s Office for a warrant of possession (fee applies)
- The Sheriff will arrange to attend the property and remove the tenant if necessary
Do not attempt to remove the tenant yourself. Self-help evictions are illegal in New South Wales and can result in significant penalties.
For money orders, if the tenant does not pay, you can enforce the debt through garnishment of wages, garnishment of bank accounts, or payment by instalments if the tenant applies and NCAT approves.
Common Mistakes Landlords Make
Issuing the notice too early — you cannot issue a termination notice until the tenant is at least 14 days behind. A notice issued at 13 days is invalid.
Incorrect notice period — the notice must give 14 days from the date of service, not from the date you write it.
Not keeping proper records — NCAT will not accept vague estimates. You need a detailed rent ledger.
Applying to NCAT before the notice expires — you must wait until after the termination date specified in your notice.
Trying to evict without an order — changing locks, removing belongings, or threatening the tenant is illegal and can result in penalties and compensation orders against you.
Final Steps After the Hearing
Once NCAT makes orders in your favour:
- Wait for the written orders — NCAT will send them by email or post within a few days
- Enforce the possession order if the tenant does not vacate
- Pursue the money order if the tenant does not pay
- Claim on the bond for any unpaid rent or damage (separate process through NSW Fair Trading)
Keep copies of all NCAT orders. If the tenant applies to set aside the orders, you will need them.
How Claim Done Helps New South Wales Landlords
Claim Done prepares your NCAT application documents in about 5 minutes. Tell us about your tenancy agreement, rent ledger, and termination notice. Our Programmatic Algorithms generate:
- Your application, set out for you to copy into NCAT’s application form
- A witness statement outline you complete in your own words
Fixed fee of $97, no subscription. Once your documents are ready, you file them with NCAT yourself using their online portal.
Start your NCAT application now — drafted in about 5 minutes for you to check and lodge yourself.
Key Takeaways
- You cannot apply to NCAT until the tenant is at least 14 days behind on rent
- You must issue a valid termination notice and wait for it to expire before applying
- NCAT requires clear evidence — rent ledger, tenancy agreement, and proof of service
- Most hearings are straightforward if your paperwork is in order
- Self-help evictions are illegal — you must have an NCAT possession order and use the Sheriff if necessary
Applying to NCAT for unpaid rent is a process, not a quick fix. Follow the steps, keep proper records, and present your case clearly. NCAT will make the orders you need to recover your property and the rent owing.
Frequently Asked Questions
How long does an NCAT application for unpaid rent take in New South Wales?
Waiting times from lodging to the hearing vary; check NCAT’s website for current times. If NCAT makes orders on the day, you receive written orders afterwards. If the tenant does not vacate voluntarily, you enforce the possession order through the Sheriff, which takes further time.
Can I apply to NCAT if the tenant is only 10 days behind on rent?
No. You can only issue a termination notice for non-payment of rent if the tenant is at least 14 days in arrears. You must wait until they are 14 days behind before starting the process.
What if the tenant pays some of the rent after I issue the termination notice?
If the tenant pays the full amount owing before the termination date, the notice is void and the tenancy continues. If they pay only part of it, the notice remains valid and you can still proceed to NCAT. The tribunal will adjust the money order to reflect the partial payment.
Do I need a lawyer to apply to NCAT for unpaid rent?
No. NCAT is designed for self-representation and most landlords handle straightforward rent arrears matters without a lawyer. You need clear evidence and properly completed forms.
Can I claim the NCAT filing fee from the tenant?
Yes. When you apply for a money order for rent arrears, you can also ask NCAT to order the tenant to pay your filing fee. NCAT typically grants this if you are successful. Include the fee amount in your application.
Need this document prepared for you?
Claim Done generates professional legal documents from your evidence in about 5 minutes. Flat fee. No subscription.
What happens when you put it in writing — properly
Same problem. What a prepared case looks like.