WHAT PEOPLE FORGET TO BUDGET FOR IN A NEW BUILD

Fixed-price builds get a lot of love. And honestly? Fair.

When you’re building new, you’re not rolling the dice on a mystery roof, a surprise rewire, or a bathroom that’s one cracked tile away from chaos.

But here’s the bit that catches people out: A build price and a move-in-ready budget aren’t always the same thing. That’s not a flaw. It’s just reality. 

This isn’t meant to be a scare piece. We just want to help you avoid those awkward “oh we didn’t budget for that” moments halfway through.

First: what does “fixed price” actually mean?

A fixed-price contract gives you certainty on the build itself.

Brilliant. Necessary. We’re big fans.

But depending on the pathway you choose- House + Land or Design + Build - there can still be:

• items that sit outside the contract

• costs that happen before you ever pick up the keys

So instead of guessing, do this early: Ask your builder to walk you through what’s included, what’s excluded, and what’s optional. That single conversation saves more stress than any colour-coded spreadsheet ever will.

The “we forgot to budget for it” list

None of these are deal-breakers. They just need to be known.

1. Site-related costs (especially for Design + Build)

Not all sections are created equal - no matter how good they look. Depending on the site, you might need to budget for:

• earthworks

• retaining

• drainage

• service connections

• extra foundation work

A good builder will flag this early. A site evaluation can also save you from buying a block that looks like a bargain… and builds like a nightmare.

2. Landscaping and outdoor living

Your house might be finished - but the outside still counts. Common costs include:

• planting and lawns

• irrigation

• garden edging

• decks and pergolas

• outdoor lighting

Some builds include landscaping. Some include an allowance. Some don’t touch it at all. Either way: don’t leave it to “future us.” Future you is tired. And busy. And probably over budget.

3. Fencing, paths, driveways, and letterboxes

These sound minor… until you price them. Depending on your build and location, you may need to allow for:

• fencing and gates

• paths and steps

• driveway and paving

• clothesline and mailbox

House + Land packages often include several of these items. Building on your own section? Definitely confirm what’s included - and what’s not.

4. Window furnishings

Blinds and curtains are the most common “oh no” cost.

People move into a brand-new home and suddenly realise they’re living in a fishbowl. Worth budgeting for upfront - your neighbours will thank you.

5. Appliances and upgrades

Sometimes appliances are included. Sometimes they’re not. Even when they are, many people choose to upgrade:

• cooktops

• ovens

• tapware

• lighting

• tiles

• carpet or laminate

Upgrades are completely normal. Just decide early which ones actually improve day-to-day life - and which ones are just Instagram influencing your wallet.

6. Council and consent-related fees

Depending on the project, there can be costs tied to:

• consents

• inspections

• development contributions

Your builder should be upfront about this - but it’s still worth asking directly: “Are council fees included in this price?” Clear answer = clear expectations.

7. Moving, storage, and overlap costs

The build might run smoothly… but life still has admin. Don’t forget to allow for:

• moving costs

• storage (if timings don’t line up)

• rent + mortgage overlap

• connection fees (power, internet, etc.)

8. Contingency (yes, even with a fixed price)

Even with strong cost certainty, a contingency buffer is a sanity-saver. Think of it as decision freedom.

If you fall in love with one upgrade that genuinely improves how you live, you can say yes - without blowing the plan.

How to avoid budget surprises (without becoming a spreadsheet person)

1. Get the inclusions list early

Ask for it. Read it. Highlight anything vague. If it’s unclear, don’t assume it’s included.

2. Decide your non-negotiables

Know what matters most - and what you’re happy to let go.

3. Ask the three questions that save the most pain

• What’s included?

• What’s excluded?

• What’s optional (and what do people usually upgrade)?

4. Choose a builder who’s upfront

A good build doesn’t feel like a gotcha game. It feels supported, clear, and well-managed from day one.

Build trust: what about warranties?

When you buy an existing home, you’re often inheriting someone else’s repairs-in-waiting. When you build new, you get protection baked in.

In New Zealand:

• All residential building work comes with 10-year implied warranties under the Building Act

• Classic Builders also provides a Classic Builders Warranty, structured through an independent warranty entity

• Fixtures and appliances are covered by their supplier or manufacturer warranties

In other words: this isn’t vibes-based decision-making. You’re properly covered.

Want a clear budget plan before you build?

We’ll walk you through what’s included, what’s optional, and where people usually get caught out - so you can move forward with confidence.

👉Talk to your local Classic Builders team

FAQs

Is a fixed-price build fully move-in ready?

Sometimes. Sometimes not quite. It depends on the build route and inclusions. The fastest way to know is to review the inclusions list.

What’s the biggest cost people miss?

Window furnishings and outdoor works - easy to underestimate, quick to add up.

Do new builds still have unexpected costs?

They can - but most can be planned for upfront with clear conversations early.

Are new builds covered if something goes wrong?

Yes. Building Act warranties apply for 10 years, plus additional warranty cover through Classic Builders.