Understanding why clear agreements and trusted builders matter for every project.
In a recent BBC News report, a rogue builder left more than two dozen homeowners out of pocket — costing families over £130,000 in unfinished and poor-quality work. Sadly, cases like this are far from rare.
According to the Federation of Master Builders (FMB), UK homeowners have collectively lost around £14.3 billion over the past five years to rogue traders and poor workmanship.
These stories underline an important point: building projects, large or small, carry financial risk. Clear contracts and experienced oversight are the simplest and most effective ways to protect that investment.
A proper building contract sets out the scope of work, timelines, payment stages, and quality expectations — helping to prevent misunderstandings before they start. A signed agreement gives both client and builder a framework for fairness and accountability.
Homeowners should never feel uncomfortable asking a builder to sign a contract. Any reputable professional will expect one — it’s part of running a transparent, well-managed business. If a contractor refuses, that’s usually your answer. You wouldn’t buy a car without a contract; building work costs far more, so why should it be any different?
For residential projects in particular, formalising the agreement can make all the difference. Many problems arise when work begins on trust alone, without written confirmation of responsibilities. A contract clarifies who does what, when payments are due, and how any changes are managed.
Good builders welcome this level of clarity — and an architecture practice will often help coordinate the process. In a well-managed project, the contract is reviewed and signed by all parties before work begins, ensuring everyone understands their obligations from day one.
Whether you’re planning a small extension or a new home, taking the time to establish a proper contract and choosing builders with proven professional relationships reduces risk, stress, and unexpected cost. It’s a simple step that can save thousands — and a great deal of peace of mind.
At Studio Tor Architecture, this is simply how we work — because we design. we organise. we care.
Frequently Asked Questions
Do I really need a contract for smaller projects?
Yes. Even modest residential work benefits from a written agreement — it reduces risk, clarifies expectations, and supports good working relationships.
What should a contract include?
A clear scope of work, payment stages, start and completion dates, and responsibilities for both client and builder. It should be signed before any work begins.
Who can help prepare one?
An architecture practice or construction professional can set up and review the document to ensure it reflects your project accurately and protects all parties involved.