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How Much Deposit Should I Pay a Builder?

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A reasonable deposit structure is staged against progress — a modest amount to secure your slot in the programme and cover initial materials ordering, followed by payments tied to completed stages of work (groundworks complete, structure up, roof on, and so on), rather than one large sum paid entirely upfront before any work begins.

Be wary of any request for the majority of the project cost paid before work starts, or cash-only payment with no invoice trail — both are common features of the building scams that give the trade its reputation problem.

We agree a clear staged payment schedule as part of every written quote, tied to verifiable progress on site, so you're never paying significantly ahead of the work actually completed.

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