Snug.money
Nobody hands a stranger thousands of pounds and trusts it’ll work out. Except, every day, we do.
A renovation starts with hope and a handshake. You find a builder, you like them, you pay the deposit. Then comes the part nobody warns you about: the money has gone, the work hasn’t started, and the only thing holding the two together is goodwill.
Most of the time it works out. UK builders are, overwhelmingly, people who do good work and want paying fairly for it. But “most of the time” is thin ground to stand on when it’s your kitchen, your savings, and five figures already out of your account. There’s a reason a vanished deposit or a half-built extension makes the local news most weeks.
We think the fix is dull and obvious: agree the work properly, then pay for it the way it actually gets done, in stages, with the money held safely in between.
Snug.money helps you do exactly that.
Know who you’re dealing with
We pull the builder’s Companies House record and put it in plain English, so you can judge them before any money is on the line.
Write down what you both agreed
A few guided questions turn into a practical contract covering scope, timeline, materials and snagging, which you both shape and sign.
Pay in stages, release on agreement
Each stage is funded into an account held by a regulated partner, never us and never the builder, and releases only when the work is evidenced and you both sign it off.
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, including the signed contract PDF, is free to use right up to the moment you fund a stage.
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.
Download a portable copy of the signed agreement whenever you want one. In-app reading is always free too.
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.
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.
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.
