What you need to know to quote well, get paid and stay straight with HMRC. Written for people on site, not in an office.
NINO guide · updated 25 September 2026
From the visit to the follow-up: what to ask, how to price it and how to word it so it gets accepted.
The skeleton ready to copy, with a worked example and the five mistakes that lose the job.
Registering with HMRC, National Insurance, the £90,000 VAT threshold, Making Tax Digital and the first-year traps.
What goes on an invoice, VAT, CIS deductions and record keeping.
The 20%, 30% and 0% rates, why materials are excluded, and gross payment status.
NINO is a tool for self-employed tradespeople: you build the quote on site, the customer gets a professional PDF over WhatsApp, and customers, appointments and documents stay in one place. You can start free, with no card.
See also: all guides · NINO in your city.