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For Mortgage Brokers & Intermediaries

Give your self-build clients
a stronger VAT reclaim

Self-build and conversion clients face a VAT risk most brokers don't have a tool to address. VATBuild gives you one — and gives your clients a practical way to protect a reclaim that can be worth £15,000–£30,000 or more.

No cost to introduce. No compliance risk. A practical tool your clients will thank you for.

Why self-build brokers are introducing VATBuild

Your self-build and conversion clients are managing one of the most complex financial journeys in the mortgage market. Staged drawdowns, contractors, suppliers, invoices — and at the end of it all, an HMRC VAT reclaim they are largely left to figure out on their own.

The problem is that most clients only think seriously about VAT when it is nearly too late. By completion, invoices may be missing, addressed incorrectly, or charged at the wrong rate. Contractor errors that were easy to fix during the build become difficult and slow to correct after the project has finished.

VATBuild gives brokers a practical way to add value at the point of introduction — helping clients start their VAT record properly, check invoices before payment, and arrive at completion with a strong, evidence-backed HMRC claim ready to submit.

The average self-build VAT reclaim is worth £15,000–£30,000.

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. VATBuild helps protect it.

What your client gets from VATBuild

VATBuild is a structured VAT control platform for self-build, conversion and refurbishment projects. It helps clients:

  • Understand the likely VAT treatment of their project from the start
  • Upload and check invoices before payment to identify potential VAT issues
  • Flag incorrect VAT charges and request supplier corrections while it is still easy
  • Organise invoices, receipts, certificates and planning documents throughout the build
  • Prepare a structured, evidence-backed HMRC VAT reclaim pack at completion
  • Get plain-English guidance on construction VAT at every stage of the project

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.

What this means for you as a broker

1

A stronger client relationship

Introducing VATBuild early in the journey gives clients a practical tool at the moment they need it most — and keeps your name associated with a valuable outcome.

2

A natural conversation hook

“Have you thought about your VAT reclaim?” opens a useful conversation about project cashflow, evidence and cost planning that most brokers are not having.

3

Easy to introduce

VATBuild can be introduced at offer stage, mid-build, or near final reclaim — wherever your client is in the journey. A referral link or mention in a welcome pack is all it takes to start.

4

No compliance risk

VATBuild is decision-support and workflow software. It does not provide mortgage advice, tax advice or regulated financial advice. You are recommending a project organisation tool, not an investment.

5

Differentiates your self-build proposition

Self-build brokers who can point clients toward practical project support — not just competitive rates — stand out in a specialist market.

How to introduce VATBuild to clients

There is no formal integration required. The simplest approach is a single sentence at offer stage:

"Your self-build project may be eligible for a significant VAT reclaim at completion — but the strength of that claim depends on the invoices and evidence you keep now. VATBuild helps you stay organised from the start."

Include a VATBuild referral link in your welcome pack or completion checklist and the work is done.

Beyond the referral, VATBuild offers brokers:

  • A co-branded borrower guide for self-build and conversion clients
  • A broker education pack on construction VAT — useful background for specialist conversations
  • A demo walkthrough of the platform to share with interested clients
  • A dedicated partner landing page for your firm's self-build clients

No compliance risk to introduce

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.

Which clients benefit most

New-build self-buildersBuilding a new home from scratch and eligible for a VAT431NB DIY Housebuilder reclaim. Most commonly the largest reclaim value.
Conversion projectsConverting a non-residential building — barn, church, office — into a home. VAT431C claims with more complex rules and higher risk of errors.
Long-empty renovationRenovating a property that has been empty for two or more years, where reduced-rate VAT treatment may apply.
Mid-build clientsClients who are already underway but have not yet organised their VAT evidence. VATBuild helps them catch up before issues become harder to fix.
Pre-completion clientsClients approaching completion who want to check their reclaim position before submission — the most common point at which VAT problems are discovered.

Common broker questions

Help your self-build clients protect their VAT reclaim

No cost to introduce, no compliance risk, and a practical tool your clients will thank you for.

Partner Enquiry

Request your Broker Pack

Tell us a little about your firm and we'll send over the Broker Pack, your referral link, and arrange a short demo.