Planning Your Custom Build Budget

When it comes to building a custom home, your budget isn’t just a number — it’s the foundation for every decision you’ll make. From floorplans to finishes, knowing what you can spend (and where it’s best spent) makes the difference between a smooth build and a financial headache.

As trusted custom home builders in Brisbane, we’ve pulled together the key things to consider when planning your custom build budget — minus the fluff.

1. Start With What You Can Afford

Before you start sketching kitchens or choosing benchtops, get clear on your borrowing capacity and overall budget. Speak to a mortgage broker or financial advisor to set a realistic ceiling — and don’t forget to factor in land costs, stamp duty, and legal fees.

2. Know What Impacts the Cost to Build a House

Several factors can significantly affect home building costs, including:

• Site access and slope

• Soil type (some sites need extra foundations or earthworks)

• Home size and layout complexity

• Material choices (brick vs. cladding, tile vs. metal roof)

• Energy efficiency and sustainability features

The more complex or “custom” your design, the more it can cost — so balance ambition with practicality.

3. Set Aside a Contingency Buffer

No matter how well you plan, surprises happen. We always recommend setting aside 10–15% of your total build budget as a contingency fund for variations, delays, or unexpected site issues.

4. Be Strategic With Your Upgrades

It’s easy to get carried away with premium tapware, designer lighting, or custom cabinetry. But not all upgrades offer value for money. Prioritise high-impact areas like kitchens, bathrooms, and flooring — and lean on your builder’s advice to avoid overcapitalising.

5. Understand What’s Included in Your Quote

Not all build quotes are created equal. Some leave out essentials like driveways, landscaping, fencing, or council fees. Make sure your quote is comprehensive and clearly itemised — or you’ll be hit with hidden costs down the line.

6. Factor in External Costs

Your build budget isn’t just about construction. Allow for:

• Architect or drafting fees (unless your builder includes this)

• Engineering reports and surveys

• Council application fees

• Temporary accommodation if you’re moving during the build

• Moving costs, furniture, landscaping, etc.

A clear budget = fewer nasty surprises.

7. Work With a Transparent Builder

This might be the most important one. A trustworthy builder will help you understand where your money’s going, what to expect at each stage, and how to avoid unnecessary blowouts.

Final Word

Planning your custom home build budget is a mix of preparation, prioritisation, and having the right builder by your side. Get it right, and you’ll save time, money, and a whole lot of stress.

Thinking of building a custom home in Brisbane? At Turners, we make budgeting simple, transparent, and tailored to your needs. No hidden fees. No BS. Just clear advice and high-quality results.

Get in touch for a no-obligation quote today.