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Self BuildersNew Build VATSelf-Build Nearly Complete? Check Your VAT Before Claiming
New Build VAT — HMRC Notice 708

Self-Build Nearly Complete? Check Your VAT Before Claiming

The period just before completion is your last chance to fix VAT problems at source. Once your building control completion certificate is issued, the 6-month VAT431NB window starts. Any contractor invoice showing 20% VAT on services that should be zero-rated becomes much harder to correct after the project ends and the contractor moves on. Use the time before completion to audit every invoice, identify overcharges and missing documents, and request corrections while relationships are still active.

6 months

Why this matters

After your completion certificate is issued, you have exactly 6 months to prepare and submit your VAT431NB claim. Arriving at that point with missing invoices, uncorrected overcharges and unresolved disputes can turn a £20,000 reclaim into a fraction of that — or a rejected claim.

The key distinctions

Pre-completion action — audit all contractor invoices

Check every contractor invoice for 20% VAT on qualifying new-build services. Flag any that should be zero-rated and contact the contractor for a corrected invoice while the relationship is still active.

Pre-completion action — chase all missing documents

Identify any invoices or receipts that are missing and contact suppliers now. Obtaining duplicate invoices is far easier while the project is live than six months after completion.

Post-completion risk — contractor corrections become harder

Asking a contractor to reissue an invoice after they have been paid and moved on is difficult. Many are unresponsive. Corrections become harder, not easier, with time.

Post-completion risk — missing merchant receipts

Builders' merchants may have limited records beyond 12 months. Till receipts fade. Online accounts may be closed or archived. The longer you wait, the harder it is to recover missing documentation.

Practical checklist

  • Audit all contractor invoices — check qualifying new-build services show 0% VAT, not 20%
  • Request corrected invoices from contractors while the project is still live
  • Identify all missing merchant receipts and request duplicates now
  • Confirm your completion certificate timeline with your local authority building control
  • Calculate your provisional VAT431NB claim value to identify any unexpected shortfalls
  • Separate eligible materials from excluded items across every invoice in your file
  • Set a diary reminder for your 6-month submission deadline as soon as the completion certificate date is known

HMRC notice references

HMRC VAT431NB notesClaim submission deadline
HMRC Notice 708 Section 3New dwelling — completion conditions

VATBuild is not affiliated with HMRC. References to HMRC publications are for informational purposes. Always consult a qualified tax adviser before submitting a reclaim.

How VATBuild helps

What VATBuild checks for this situation

VATBuild is designed to be used throughout the build, not just at the end. It tracks every invoice as it arrives, flags rate errors immediately, and identifies missing documents before the completion deadline arrives. For projects approaching completion, VATBuild provides a full pre-claim readiness check — showing exactly what is resolved, what needs action, and the current provisional claim value.