Snug.money
Have you noticed the way we hire and work with builders is broken?
Across the UK, home renovations are booming, and so are stories of broken projects and money going missing. The struggle to find a builder you can trust is real. The pain doesn’t stop after signing. Managing the project money to maintain the least personal exposure is an ongoing struggle. Handing out a massive deposit and hoping the work gets done just doesn’t feel right.
We are here to fix this issue.
Not just for you, the homeowner, but also for the millions of trustworthy builders in the UK that get lumped in with the bad apples.
We focus on the two things we know create successful building projects for real people like you.
Over 90% of home renovation projects in the UK begin with no contract in place.
We guide you to ask the right questions upfront so you can find the right builder.
Then we co-create with you and the builder a practical legal contract that covers all the important topics.
Around 1 in 3 UK renovations go over budget — and missing deposits make the news every month.
Funds sit in a protected payment account run by a regulated partner — not with us, and not with the builder.
Each milestone only releases when the work is evidenced and both sides agree the stage is done.
Free to set up. Free to sign. You only see a charge later, and only if you want the protected-payment layer on top.
We pull the builder’s public Companies House record — trading status, filings, directors, persons with significant control — and translate it into plain English so you can tell whether this is a builder you can trust before any money is on the line.
Answer the guided questions together — scope, timeline, materials, snagging — and we draft a practical contract that both parties review, agree, and sign.
If you want the protected-payment layer, each stage is funded into an account held by a regulated partner. Money only releases when the evidence is in and both sides agree the stage is done. You can also just sign and skip it — the contract still stands.
No subscription. No setup fee. The whole platform is free to use right up to the moment you fund a stage or download a portable copy of your contract.
All prices in £. No hidden costs.
Set up the project, run Companies House checks, answer the guided questions, generate the contract and sign — all included.
A portable copy of your signed contract whenever you want one. The latest version is always free to read inside Snug.
Added on top of each milestone when you fund it. A £7,500 milestone is funded with £7,612.50; the contractor receives the full £7,500. The fee covers the protected payment provider and Snug’s costs.
The same project shows both parties the same source of truth — because that’s what stops jobs going wrong.
If you’re the homeownerWe’re piloting with a small group of testers right now and aren’t open to public sign-ups. Drop us a line if you’d like to be invited to the next round.
If you’re the builderWe’re piloting with a small group of testers right now and aren’t open to public sign-ups. Drop us a line if you’d like to be invited to the next round.
Having Snug Money guide me through making a plan with my builder was really helpful. But the real wow was how they acted as a trusted middleman, holding my money until it was time to pass it to the builder. It kept the relationship balanced and fair.”
Snug is the workflow, contract, milestone and audit layer. Funds are held and released by an external protected-payment provider, so nothing about your project depends on us staying solvent.
Each funded milestone sits in an external protected-payment account, not in a Snug bank account.
No-one can pull funds without both sides signing off the milestone — or a documented dispute outcome.
Funding, approvals, releases and refunds are timestamped and visible to both parties.
Nothing here is in fine print. If you have a question we haven’t covered, drop us a line at support@snug.money.
No. Funds for each milestone are held by an external protected-payment provider while the work is done. Snug is the workflow, contract and audit layer around that — we never touch the money ourselves.
You can still run a project. The Companies House check just flags as "no registered company" rather than scoring a number, and the contract section about company status changes to suit. We don’t exclude sole traders.
You can query the milestone. While a query is open, the money stays in the protected account — neither party can grab it. Snug doesn’t adjudicate, but we surface the evidence and the contract terms both sides agreed to, and we can signpost mediation if it goes the distance.
Yes. The contract you generate includes a cancellation section that both sides agree to upfront — so you both know what happens to any funded but un-started work before you sign.
The regulated provider that holds the milestone funds, the bank rails that move money in and out, and Snug’s operating costs. It’s added on top of each milestone amount; the contractor still receives the full agreed amount.
It is a real written agreement signed by both parties and timestamped. It is not a substitute for legal advice on a complex job — if your project is large or unusual, please have a solicitor read it before signing.
Snug Money is in closed testing with a small group of homeowners and contractors. If you’ve been invited to a project the link will drop you straight in.
