RCB Academy

How to Compare Builder Quotes Like-for-Like

Getting three quotes is standard advice. But comparing them properly is harder than it looks — and most homeowners do not know what they are actually comparing. This guide explains how quotes differ, what to look for, and how to make a genuine like-for-like comparison.

Why Comparing Quotes Is Harder Than It Looks

When you buy a product, comparing prices is straightforward — the product is identical regardless of who sells it. Builder quotes are not like that. Two quotes for “a rear extension” can differ by tens of thousands of pounds, and both can be technically correct — because they are quoting for different things.

One contractor may include scaffolding, Building Control fees, structural calculations, waste disposal and all preliminaries. Another may exclude all of these as separate contracts. One may include your kitchen units; another prices installation only.

The result: a quote that appears £20,000 cheaper than a competitor may actually be more expensive once the excluded items are factored back in. This is not necessarily dishonest — it is simply how the industry works. Your job as a client is to understand what is and is not included before you decide.

What Must Be the Same for Quotes to Be Comparable

For a genuine like-for-like comparison, all of the following should be identical across every quote you receive:

  • Scope of works — every line item, not just a headline description
  • Specification — the grade, brand or standard of materials specified
  • Exclusions — what each contractor is NOT including
  • VAT — is it included in the figure or excluded?
  • Waste disposal — site clearance and skip hire
  • Scaffolding — required access and safety scaffolding
  • Preliminaries — site setup, supervision, welfare, plant hire
  • Building Control fees and applications
  • Structural design and calculations (if required)
  • Mechanical and electrical (M&E) design assumptions
  • Provisional sums and what they are based on

In practice, achieving this requires a clear brief and specification document that all tendering contractors quote against. If you send contractors to the site without a spec sheet, you will receive quotes that reflect each contractor's assumptions — which will vary considerably.

Common Exclusions That Make a “Cheap” Quote Expensive Later

These items are frequently excluded from builder quotes — sometimes legitimately, sometimes to make the headline number look more competitive.

Provisional sums

A provisional sum is an allowance for something that cannot be priced precisely at tender stage — often ground conditions, drainage runs, or specialist items. A low provisional sum can be deliberately optimistic.

Decorating and finishing

Many builders exclude painting, decorating and finished floor coverings even on full-refurbishment projects. Check whether these are included or assumed to be a separate contract.

Floor coverings

Screed, tiles, hardwood floors and carpets are frequently excluded from the main build contract, as they involve separate allowances for client-specified products.

Sanitaryware

Baths, basins, toilets and shower enclosures may be excluded and assumed to be client-supplied. The installation labour may or may not be included.

Kitchen units and appliances

Kitchens are almost always excluded from the main build contract. Installation may be included as a line item, but the units, worktops and appliances are a separate supply.

External works and landscaping

Garden reinstatement, patios, fencing and external drainage are often excluded from an extension quote unless specifically listed.

Red Flags in Cheap Quotes

These are signs that a low quote may not represent what it appears to:

A single lump sum figure with no breakdown of scope or cost
No exclusions section — implying everything is included, which is rarely true
No assumptions stated — suggesting no real thought about site-specific unknowns
VAT position not stated — is the figure + VAT or inclusive?
No programme or indication of duration
No payment schedule or vague payment terms
Provisional sums that are significantly lower than the others with no explanation
Missing line items that are present in other quotes

The Right Way to Compare

When you receive quotes, the comparison process should include:

01

Request itemised breakdowns

If a quote is a lump sum, ask for a line-by-line breakdown. This makes gaps and differences visible.

02

Request the exclusions list from each contractor

Ask explicitly: "Can you confirm what is not included in this quote?" Compare the lists.

03

Ask what is provisional

Identify every provisional sum and ask on what basis the allowance has been made. Are they comparable?

04

Confirm VAT position

Is each figure + VAT or inclusive of VAT? Adjust if necessary to compare on a consistent basis.

05

Ask about programme

What is the proposed start date and duration? A contractor with a 12-week programme and one with a 20-week programme are quoting different things.

06

Build a comparison table

List every line item in the most detailed quote and check whether it is covered in all others. Add the excluded items back in at a realistic estimate to get a true comparison.

Why the Cheapest Quote Is Often Not the Cheapest Project

This is one of the most important lessons in construction procurement. A contractor who wins on price frequently recovers their margin through variations — charging for work that was excluded from the original scope, or citing changed conditions that trigger additional costs.

A low quote with vague scope, missing exclusions and low provisional sums is not a cheap project — it is a project where the true cost will emerge during the build rather than before it. At that point, you have no choice but to pay: the walls are open, the roof is off, you cannot start again.

The most reliable indicator of final cost is a detailed, transparent quote from a contractor with a proven track record of delivering within agreed budgets. Price is one data point. Transparency, scope quality and track record are the others.

Quote Comparison Checklist

Use this checklist when reviewing quotes to ensure you are comparing on a consistent basis:

  • Scope of works is identical across all quotes
  • Specification of materials is identical or differences are clearly noted
  • Exclusions from each quote are listed and compared
  • Provisional sums are identified and the basis for each allowance is stated
  • VAT position is confirmed for each quote
  • Waste disposal, scaffolding and preliminaries are accounted for
  • Building Control fees and structural costs are included or accounted for
  • Payment schedule is linked to defined stages of progress
  • Programme (start date and duration) is stated
  • Variation process is documented in each quote

RCB Can Help You Compare Quotes

If you have received quotes and are struggling to make sense of them, RCB offers independent quote comparison reviews. We will go through the documents with you, identify gaps and inconsistencies, and give you an honest assessment.

Learn about our quote comparison service

Common Questions

Frequently asked questions.

Why is there such a big difference between quotes for the same project?

Large differences are almost always explained by one of three things: different scope (one contractor has included more or less than another), different specification (one is pricing a cheaper standard of finish), or different commercial approach (one is deliberately low to win the work with the intention of recovering the margin through variations). Get the exclusions and assumptions from each contractor and compare them. The difference will usually become clear.

Should I always choose the middle quote?

No — this is a common misconception. The middle quote is not necessarily the most accurate; it is just in the middle. The right quote is the one that best represents the actual cost of the project as you want it built, from a contractor you have verified as competent and properly insured. Price alone does not tell you which that is.

What is a provisional sum and should I be worried about them?

A provisional sum is a budget allowance for something that cannot be priced precisely at tender stage. Common examples include ground conditions (you do not know what is underground until you dig), drainage connections (exact run lengths are unknown), and specialist items that require further specification. They are not inherently a problem — but they should be realistic, they should be flagged clearly, and they should be consistent across quotes. A contractor who uses very low provisional sums to make their quote appear competitive, while competitors are more realistic, is setting you up for overruns.

What does "ex VAT" mean on a builder's quote?

Ex VAT means the figure shown excludes VAT. You will need to add VAT (currently 20% for standard rated work) to get the actual cost. Some contractors quote inclusive of VAT, some exclusive. If a quote does not state the VAT position, ask before you compare it to others. A £100,000 ex-VAT quote is actually £120,000 once VAT is added — which changes the comparison significantly.

Can RCB help me review quotes from other builders?

Yes. RCB offers quote comparison reviews as part of our services. We can review quotes you have received, identify missing elements, inconsistent provisional sums, ambiguous exclusions and scope gaps, and give you an honest assessment of whether each quote represents fair value. Contact us to discuss.

Ready for a Transparent Quote?

RCB quotes are itemised, transparent and fully explained.

Clear scope. Stated exclusions. Stated assumptions. VAT position confirmed. No lump sums, no hidden items. Send your drawings or book a review and we will show you what a proper quote looks like.

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