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Builder vs Contractor — Which do you need?

Not sure which professional to hire? Here's everything you need to know about the difference between a builder and a contractor.

At a glance

Builder

Typical jobs

  • Extensions
  • Loft conversions
  • New builds
  • Structural repairs

Typical qualifications

  • CSCS card
  • FMB membership recommended
  • Building regulations compliance

Contractor

Typical jobs

  • Specific trade work (electrical, plumbing, plastering)
  • Maintenance contracts
  • Fit-outs

Typical qualifications

  • Trade-specific qualifications
  • Public liability & employers liability insurance

Cost comparison

ServiceLow estimateHigh estimatePer
Builder£200£500per day
Contractor£150£450per day

Indicative UK market rates. Always get at least 3 written quotes.

How to decide: Builder or Contractor?

  • 1A builder is your primary contractor for large structural projects and new builds.
  • 2Builders co-ordinate subcontractors (plumbers, electricians) and manage planning permission compliance.
  • 3A contractor typically specialises in one trade and is often engaged by a main builder.
  • 4Hire a contractor directly when you need a specific trade on a smaller project.

Frequently asked questions

What is the difference between a Builder and a Contractor?

A Builder typically handles: Extensions, Loft conversions. A Contractor typically handles: Specific trade work (electrical, plumbing, plastering), Maintenance contracts.

How much does a Builder cost compared to a Contractor?

A Builder typically charges £200–£500 per day. A Contractor typically charges £150–£450 per day.

Do I need a Builder or a Contractor?

A builder is your primary contractor for large structural projects and new builds. Builders co-ordinate subcontractors (plumbers, electricians) and manage planning permission compliance. A contractor typically specialises in one trade and is often engaged by a main builder. Hire a contractor directly when you need a specific trade on a smaller project.

What qualifications does a Builder need in the UK?

CSCS card, FMB membership recommended, Building regulations compliance.

What qualifications does a Contractor need in the UK?

Trade-specific qualifications, Public liability & employers liability insurance.