Manchester Builder Payment Protection
Milestone escrow for Manchester homeowners. Renopay safeguards your renovation payments – builders get paid only on verified completed work.
Escrow that keeps every renovation pound protected and released only on verified milestones.
Milestone control
You verify the work is complete. Funds are released instantly upon approval.
Regulated safeguarding
Funds are ring-fenced in an FCA-authorised escrow vault (OPP) until needed.
Instant builder payouts
No chasing invoices. Approved funds land in the builder’s account in seconds.
Dispute? Your milestone stays protected.
If you disagree on a milestone, the funds pause in escrow while you resolve it via your dashboard. If you can’t agree, you can request an independent RICS expert assessment, and Renopay distributes the milestone accordingly.
How disputes work →Manchester’s renovation market is one of the most active in the UK outside London. Victorian terraces in Chorlton, Didsbury, and Levenshulme are being opened up with rear extensions and kitchen-diners. Edwardian semis in Sale, Altrincham, and Stockport are getting loft conversions and garden rooms. Former mill-workers’ terraces in Ancoats and the Northern Quarter are being transformed into modern living spaces. Renovation budgets in Greater Manchester typically range from £30,000–£60,000 for terraced-house modernisations to £60,000–£120,000 for extensions and full refurbishments on larger properties. Manchester’s lower-than-London labour costs make more ambitious projects accessible, but the investment is still substantial.
The payment risk facing Manchester homeowners centres on the gap between market demand and contractor accountability. The city’s sustained property-price growth has drawn a large number of builders into the residential renovation space, but not all of them operate with formal contracts, structured payment terms, or adequate financial resilience. Builders taking on too many jobs simultaneously, requesting large deposits to fund material purchases across multiple projects, and slowing down on earlier commitments to start newer, more profitable work — these are patterns that homeowners across Greater Manchester encounter regularly. Once a significant portion of the budget has been paid, the homeowner’s negotiating position weakens considerably.
Renopay shifts the balance back. Your renovation budget is held in a safeguarded escrow account, visible to both parties from day one. Milestones are agreed upfront, and funds release only when each stage is completed and approved by you. Your builder gets proof of funds without you taking on deposit risk, and you retain control of your budget through every phase of the project. For Manchester homeowners investing in the city’s property renaissance, this structure provides peace of mind and practical protection in equal measure. Assess your project with the renovation risk checker, and for hands-on guidance on running your own build, read our self-managing a renovation guide.
How Renopay Works
A fair, transparent payment platform where funds are secured before work begins.
Agree the Schedule
Break the project into clear milestones. Both parties digitally agree on the deliverables and costs for each stage, ensuring total clarity before work starts.
Fund the Vault
The homeowner deposits the milestone value into the secure vault. The funds are locked—the homeowner cannot withdraw them, and the builder has proof the money is ready.
Approve & Release
Upon completion, the homeowner releases payment instantly via the app. If a dispute arises, funds remain frozen in the vault—neither party can access them until resolved.
Simple, fair pricing
No hidden fees. No subscription costs. Just a small transaction fee to secure your funds.
Homeowners
Protect your budget from risk.
- Only pay for completed work
- Funds are fully ring-fenced
- Arbitration support included
- No monthly subscription
Builders & Trades
Standard fee 1%. Waived for Early Access partners.
- Proof of funds before you start
- Guaranteed payments on completion
- Reduce admin & chasing invoices
- Priority support
Transparent Pricing
See exactly what you pay and what you save.
Estimated Fee Savings
£1,500
See how much you save on administration costs compared to traditional contract management.
With Renopay
Traditional Route
Typical cost for manual valuations, site visits, and payment certificates.
Why Renopay defeats the old way
Compare the protection, speed, and cost of using Renopay versus cash or a Quantity Surveyor.
| Feature | Renopay | Cash / WhatsApp | QS Drawdown |
|---|---|---|---|
| Proof of Funds | Verified Instantly | None | Partial |
| Payout Speed | Instant | Days/Weeks | Weeks (Net 30) |
| Funds Location | FCA-Authorised Escrow | Builder's Bank | Homeowner's Bank |
| Dispute Resolution | Neutral Mediation Support | None (Small Claims Court) | Expensive Legal Process |
| Cost of Protection | 1% Per Party (Capped) Start Safe | None (High Risk) | £5k+ Fees |
Trust & Safety
How we protect every party.
Every payment is safeguarded, every milestone tracked, and every dispute handled fairly so both sides can focus on the work.
FCA-authorised payments
Funds are handled via Open Payment Platform (OPP) - regulated, compliant, and bank-grade secure.
Milestone-based escrow
Money is held per milestone and only released once the homeowner actively approves the work.
Transparent, Fair Pricing
Homeowners pay 1% per milestone. Builders on our Early Access Partner Program pay 0% fees on their first project (standard rate 1%). No hidden costs.
Independent Dispute Resolution
We don't take sides. If a dispute arises, milestone funds pause in escrow. If you can't resolve it via your dashboard, an independent RICS expert assesses the work to ensure a fair, objective distribution of funds.
Instant release on approval
Builders get paid immediately after the homeowner taps 'Approve,' keeping cash flow healthy and predictable.
Indisputable Records
Goodbye to "he said, she said." Every approval, message, and payment is time-stamped in the dashboard, giving you a permanent digital record.
Frequently asked questions
Still unsure? Email hello@renopay.co.uk and we’ll help you decide if milestone escrow is right for your project.
Join the waitlist
Pay for renovations the safe way with Renopay.
Share a few details about your project and we will send onboarding instructions. Milestone-based payments. Full control. Trusted by homeowners and builders alike.
Prefer email?
Drop us a line at hello@renopay.co.uk and we will set up a call.