Guides for builders

How to protect yourself from non-paying or difficult clients: clear contracts, fair payment terms, the right paperwork, and the legal routes if you are not paid.

Information, not legal advice. This guide explains official rules in plain words for England, with links to the sources. Rules change and every job is different, so check the source or get advice for your situation. Last checked 24 October 2026.

• Builders

  Contracts, scope and variations

  A clear contract protects both sides.

• Builders

  Deposits, stage payments and late payment

  The aim is simple: keep the money in step with the work, so neither side carries too much risk.

• Builders

  Chasing unpaid invoices

  A clear reminder is often enough.

• Builders

  The Construction Act (HGCRA 1996) explained

  The Construction Act gives contractors strong payment rights.

• Builders

  Cancellation rules for builders

  This is one of the easiest ways for a builder to lose money without realising it.

• Builders

  Materials and retention of title

  Materials can be a big part of a job's cost.

• Builders

  Vetting clients and spotting scams

  Customers are right to check builders.

• Builders

  Insurance, safety (CDM 2015) and waste

  These are the duties that apply to you whoever the client is.

• Builders

  Records, photos and resolving disputes

  Good records settle many arguments before they start.

Homeowners: see the guides for homeowners.