How much deposit should you pay a builder?

What a deposit is for

A deposit normally covers materials that have to be ordered, or secures the tradesperson's time in their diary. Ask what the deposit will be spent on.

Be wary of large payments up front

A big payment before any work has started leaves you exposed if the tradesperson disappears or goes out of business. Be cautious if someone asks for a large amount before they begin, or asks for cash with no paperwork.

Prefer staged payments

A better arrangement is a payment plan tied to stages of the work, for example when materials arrive, when a major stage is completed and a final payment once you are satisfied. You then never pay far ahead of what has been done.

Small jobs and large jobs

For a short, small job, many tradespeople ask for little or no deposit and are paid at the end. For a larger project there is more at stake on both sides, so a clear payment schedule becomes more important.

Put it in writing

• The amount and what it covers.
• When each later payment is due and what has to be finished first.
• How payments will be made, and that you will get a receipt.
• What happens to your deposit if the job is cancelled.

Pay in a traceable way

Bank transfer or another traceable method gives you a record. Be cautious about cash, and always ask for a receipt or invoice.

Protect yourself

• Check insurance, registration and past work before you pay anything.
• Ask whether the tradesperson buys materials themselves or expects you to.
• Consider paying for materials directly to the supplier for larger orders.
• Check your card or insurance protections, and get advice if you are unsure.

If something goes wrong

Keep all the messages and receipts. Our guide on solving a problem with a builder explains the steps, and Citizens Advice can explain your consumer rights.

Share your plan first

Upload a photo to GlowUpp and share your design with local professionals, then agree the payment plan in writing as part of the quote. Always ask a qualified professional before moving gas, electrics or plumbing, or changing anything structural, and check your lease or local rules if you rent or live in a conservation area.