Industry & PartnersMortgage Brokers & Development Finance
Help clients building, converting, developing, refurbishing or retrofitting property get their construction VAT position right. Depending on the project, works may be subject to 0%, 5% or 20% VAT — and for self-builders alone, the reclaim at stake is typically worth £15,000–£30,000 or more. You identify that significant building works are involved. VATBuild deals with the construction VAT.
No cost to introduce. No compliance risk. A simple specialist hand-off for construction VAT.
That is money your client is entitled to — but only if they have the right invoices, the right evidence and the right VAT treatment throughout the build. And for developers, VAT charged at 20% when the correct treatment is 5% or 0% is cash the facility has to finance. VATBuild helps protect both.
Each guide covers the VAT position for that client type, why it affects the finance, and how the referral works.
VAT431NB, the £15,000–£30,000 reclaim, and why the referral is best made at offer stage — before procurement begins.
Barn, office and pub conversions: the 5% contractor rate, the VAT431C reclaim, and the overcharge risk contractors keep missing.
VAT charged at 20% when 5% or 0% applies is financed cash. How a construction VAT review sharpens peak funding assumptions.
5% relief on long-empty properties, 0% on qualifying energy-saving installations — and why bridging timescales leave no room for end-of-project fixes.
The one-sentence hook, the best timing, the compliance position, and what brokers get — pack, demo and referral link.
Network-wide partnership models: referral, portal links, white-label landing pages, CRM integration and future API integration.
A referral may be worthwhile where your client is:
"Is any of the borrowing being used to build, convert, develop, refurbish or retrofit a property?"
If the answer is yes, VATBuild can assess whether construction VAT should form part of the project and funding strategy. You do not need to determine the VAT treatment, interpret HMRC rules, or inspect construction invoices — the referral is the hand-off.
VATBuild is a structured VAT control platform for self-build, conversion, development and refurbishment projects. It helps clients:
The result is a client who arrives at completion with their VAT position under control — rather than one who is trying to reconstruct two years of invoices in the final weeks of the build.
VATBuild is not a regulated mortgage product, financial product or tax advisory service. Recommending a project organisation tool does not create FCA compliance obligations in the way that mortgage or investment recommendations do. You should apply your normal standards for fair, clear and not misleading client communications.
VATBuild is decision-support and workflow software. It does not provide mortgage advice, tax advice or regulated financial advice — it helps clients organise information, identify potential VAT issues and prepare structured evidence for their own adviser and HMRC.
If your client is borrowing to build, convert, develop, refurbish or retrofit property, construction VAT may materially affect the project. A short introduction to VATBuild allows the client to establish whether there is anything they need to address.
Tell us a little about your firm and we'll send over the Broker Pack, your referral link, and arrange a short demo.