What is normal
For most domestic jobs a deposit of 10 to 25% is common. The fairest way to set it is by what you have to spend up front: if you are ordering a made-to-measure kitchen or special-order tiles, a deposit that covers those materials is reasonable. For a few days of labour with materials bought as you go, a small deposit or none at all is normal.
Tie the deposit to something the client can see: "Deposit covers ordering the bathroom suite and tiles." It is easier to agree to than a bare percentage.
Use stage payments on longer jobs
On anything over a week or two, split the price into stages tied to work the client can check. That way neither side is ever far out of pocket.
| Stage | Example share |
|---|---|
| Deposit (materials ordered) | 20% |
| Strip out and first fix done | 30% |
| Boarded, plastered and tiled | 30% |
| Finished and snagged | 20% |
Write the stages on the quote. When a stage is done, invoice it straight away - waiting until the end turns four small payments into one big one that is easier to argue about.
Put the deposit and stage payments on the quote and invoice each stage in a minute.
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Taking a deposit within the 14-day cancellation period
If the contract was agreed at the client's home, they can normally cancel within 14 days. You can still take a deposit, but if they cancel in that period you will generally have to refund it, less the cost of any work they asked you to start early in writing. Give them the cancellation information when you agree the job.
Red flags in reverse
Clients are told to be wary of trades who want most of the money up front. A sensible, explained deposit makes you look trustworthy. Asking for 50% before anything happens makes you look like the builder they were warned about.
General information for England and Wales, not legal or tax advice. For your own situation, speak to a solicitor, accountant or Citizens Advice.