
Money
VAT is already in the poster
If you live in a house, the number on the comparison is the number. Adding 20% again is how a deal becomes a panic.
11 min read · Money
Britain’s household prices come with VAT already in the type. This is so ordinary that people forget, then add it again because a colleague with a leased line said ‘plus VAT’, then decide fibre is unaffordable. Meanwhile a business quote in a PDF looks £5 cheaper than a home tariff until you add the tax the house cannot reclaim. Same money, two dialects. Use the dialect you actually pay.
Consumer means inclusive
The comparison, the poster, the order button: inc VAT. If a household retailer shows a net price as the hero number, they are borrowing business clothes. Distrust the rest.
Our cards are inc. Year-one is inc. You can stop doing mental arithmetic.
Business often means exclusive
A ‘£29’ circuit that becomes £34.80 on the invoice is not a rise. It was VAT. If you cannot reclaim, that is the price. Compare it to household fibre at £32 inc without shame.
Kitchen-table businesses mix the dialects and pick the costume. Pick the invoice.
Rises and fees
Ask whether a ‘£3 April rise’ is on the inc monthly. It almost always is, for consumers. Setup ‘£50 + VAT’ on a home order should have been £60 on the poster. Call that out.
Do not double-add on a rise and then on the new monthly. Panic arithmetic is how people stay on an old line ‘because tax’.
| Document | Assume | Then |
|---|---|---|
| Household comparison / poster | Inc VAT | Do not add 20% |
| Business quote | Ex VAT until it says otherwise | Add 20% if you cannot reclaim |
| Mixed PDF | Hostile | Make them print one number you will pay |
VAT is in the household number. Adding it again is a folk tax.
The only number that matters is the one that leaves the bank account. For a house, it is already on the poster. Leave it alone.
Questions searchers actually ask
Sources
- UK Consumer Protection from Unfair Trading — advertised prices
- HMRC VAT on telecoms (high level)
- Typical business broadband quote formats
Figures move. Prices, coverage and eligibility must be confirmed with the provider. OneTouchSwitch is not Ofcom, TOTSCo or a broadband network. Last fact-checked 10 September 2026.
Continue in this issue

Switching
12 min read · Switching
Switching
A business line in a house
A VAT number on a kitchen table is not a small-office network. It can still take you out of the consumer switching path.

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The year, not the teaser
The number on the advert is a monthly rent for a few months. The number that decides the switch is what you will have paid by next autumn.

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How to read a broadband advert
The large type is a mood. The small type is the product. Here is the order in which to read both.

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A £0 setup on a 24-month handcuff is a fee wearing a term. Add it up, or we will add it up for you.
Practical guides