Stage 4 of 6 · Rear extension, Faversham
Roof and windows
Stage money
£14,000
With the payment provider Paid to Carter & Sons when the list is done
3 things on the agreed list
Stage payments for building work
Get what you agreed.
Get paid as agreed.
Before each stage starts, the homeowner pays its money into a separate account, and the builder can see it’s there. It’s paid out when the agreed work is done.
The money is paid in through a separate regulated payment provider, not to Assurr or the builder.
Stage 4 of 6 · Rear extension, Faversham
Roof and windows
Stage money
£14,000
With the payment provider Paid to Carter & Sons when the list is done
Agreed list
Roof watertight, tiles and flashings complete
Three windows and the rooflight fitted and sealed
Gutters and downpipes connected
Sarah · paid in, not yet paid out Carter & Sons · it’s there before we start
Building work asks someone to go first.
Having work done
‘What if I pay, and the work doesn’t get done?’
Pay up front and you’re trusting someone with money for work that hasn’t happened yet.
Doing the work
‘What if I do the work, and don’t get paid?’
Work first and you’re funding the job yourself, then waiting on the last payment.
With Assurr, neither of you has to.
One stage, from agreed to paid.
Sarah is having a rear extension built by Carter & Sons. This is their £14,000 roof stage.
Before anything starts, Sarah and Carter & Sons agree the stage: its price, its dates and the list of what will be finished. That list is what the payment depends on.
AgreedStage 4 of 6 · Rear extension, FavershamRoof and windowsStage money£14,000Not paid in yet. It goes in before work starts.Agreed listRoof watertight, tiles and flashings completeThree windows and the rooflight fitted and sealedGutters and downpipes connectedAgreed by Sarah and Carter & Sons, 12 OctSarah pays £14,000 into the stage’s separate account. Carter & Sons can see it’s there before they order a single tile.
Money inStage 4 of 6 · Rear extension, FavershamRoof and windowsStage money£14,000With the payment providerPaid to Carter & Sons when the list is doneAgreed listRoof watertight, tiles and flashings completeThree windows and the rooflight fitted and sealedGutters and downpipes connectedSarah · paid in, not yet paid out Carter & Sons · it’s there before we startCarter & Sons work through the list and add a photo as each item is finished. When the last one is done, Sarah is asked to check the stage.
Ready to checkStage 4 of 6 · Rear extension, FavershamRoof and windowsStage money£14,000With the payment providerPaid to Carter & Sons when the list is doneAgreed listRoof watertight, tiles and flashings complete Photo addedThree windows and the rooflight fitted and sealed Photo addedGutters and downpipes connected Photo addedSarah to check by 7 NovSarah checks the work against the list. When she approves payment, the £14,000 is paid to Carter & Sons. If she doesn’t reply by the date they agreed, she gets a final notice, and then the payment goes ahead.
PaidStage 4 of 6 · Rear extension, FavershamRoof and windowsStage money£14,000Paid to Carter & SonsPaid out when Sarah approved paymentAgreed listRoof watertight, tiles and flashings complete Photo addedThree windows and the rooflight fitted and sealed Photo addedGutters and downpipes connected Photo addedNo reply by 7 Nov? Final notice, then paid.
Every stage works the same way until the job is finished.
Stage 4 of 6 · Rear extension, Faversham
Roof and windows
Stage money
£14,000
Not paid in yet. It goes in before work starts.
Agreed list
Roof watertight, tiles and flashings complete
Three windows and the rooflight fitted and sealed
Gutters and downpipes connected
Agreed by Sarah and Carter & Sons, 12 Oct
If one thing needs fixing, only that thing waits.
Sarah notices the new gutter drips at one corner, and flags it with a photo. The £750 agreed for the gutters waits. The other £13,250 is paid to Carter & Sons.
They reseal the joint and add a photo. Sarah approves payment, and the last £750 follows.
Stage 4 of 6 · Rear extension, Faversham
Roof and windows
Stage money
£14,000
£13,250 paid. £750 held until the gutters are fixed.
Agreed list
Roof watertight, tiles and flashings complete Photo added
Three windows and the rooflight fitted and sealed Photo added
Gutters and downpipes connected Drips at one corner · photo added
£13,250 paid to Carter & Sons £750 waits on a fix
Carter & Sons are resealing the joint
Extra work is agreed first.
If the job changes, the extra is priced, agreed and paid in before anyone does it. No surprise bills, and no unpaid extras.
Still can’t agree?
An independent expert looks at the work, and the money follows their decision.
Who holds the money? Not Assurr.
Each stage’s money is paid in through a separate regulated payment provider. It isn’t in Assurr’s account, and it isn’t the builder’s until it’s paid out.
HomeownerSarahPays each stage in before it starts
pays in
Separate and regulatedPayment provider£14,000 for the roof stage waits here
paid out
BuilderCarter & SonsPaid when the agreed list is done
Assurr sends the payment instruction when the agreed list is done
Keeps the agreed list, the photos and every decision
Neither side can take it alone.
It’s paid out when the stage is approved, or after the agreed review time. It goes back only through the refund or dispute route you both agreed.
We keep the agreement, not the money.
Assurr holds the agreed list, the photos and every decision, and sends the payment instruction when the agreed conditions are met.
If the work stops, unpaid money isn’t the builder’s.
Anything not yet paid out follows the cancellation, refund or dispute route for your project.
Assurr Ltd is not an FCA-authorised payment institution and does not hold client money. Payments are made through a separate regulated payment provider.
Having work done?
- Pay one stage at a time, never the whole job up front.
- Know exactly what each payment is for before you make it.
- If something isn’t right, only that part waits.
- Every agreement, photo and decision in one record you both see.
Doing the work?
- See the money is in place before you buy materials.
- Agree what ‘done’ means before you start, not after.
- One snag won’t hold up the rest of the stage.
- Paid on the agreed date if your client doesn’t reply.
- Extras priced and paid in before you do them.
‘I use Assurr, so the money for each stage is in place before I start, and we both know what has to be done for it to be paid.’
How it compares with paying a builder the usual way.
Bank transfer or deposit
- Before work starts
- The money’s already gone
- When the builder is paid
- Before the work
- If something’s wrong
- Hard to get money back
- What’s on record
- Messages and a quote
Invoice when it’s done
- Before work starts
- The builder is working on a promise
- When the builder is paid
- When the invoice is paid, if it is
- If something’s wrong
- The payment becomes the argument
- What’s on record
- An invoice
- Before work starts
- The money’s in, and the builder can see it
- When the builder is paid
- When the agreed work is done
- If something’s wrong
- Only the queried part waits
- What’s on record
- One record you both agreed
Questions
Something else? Email us at hello@assurr.co.uk.
Do I have to pay for the whole job up front?
No. Each stage is paid in just before it starts.
Can the builder be paid for materials before starting?
Yes, as its own stage with its own list, such as ‘materials delivered to site’. Never as a vague deposit.
What if the homeowner doesn’t reply?
They have the review time you agreed, a reminder and a final notice. Then the payment goes ahead.
What if we disagree?
Payment can be approved for part of a stage while the rest is put right. If you still can’t agree, an independent expert decides and the money follows.
What if the work stops?
Money not yet paid out isn’t the builder’s. It follows the cancellation, refund or dispute route for your project.
What does it cost?
There’s no subscription or setup fee. A fee is charged on each completed stage, only when it’s paid out. The details are on the pages for having work done and doing the work.
Who’s behind Assurr?
Assurr Ltd, company number 17426958. Read more about our mission to give both sides of building work the same record.
Start with your next job.
Pick your side and set up your first stage. Whoever starts invites the other.
Already talking to a builder or a client? Send them this page.
Stage 4 of 6 · Rear extension, Faversham
Roof and windows
Stage money
£14,000
Paid to Carter & Sons Paid out when Sarah approved payment
Agreed list
Roof watertight, tiles and flashings complete Photo added
Three windows and the rooflight fitted and sealed Photo added
Gutters and downpipes connected Photo added
No reply by 7 Nov? Final notice, then paid.