Logan volume build, fixed price contract, thought we were organised. Held 5 percent contingency outside the loan like every blog said. Frame stage is done, lockup invoice is next, and the contingency is already empty.
Not site costs. Those were mostly behaved. This is us. We moved two windows after the frame inspection, upgraded the kitchen bench when the display suite got in our head, and said yes to a couple of electrical extras because the sparky was already there. Each one looked small. Together they ate the buffer.
Bank will not just fold variations into the construction loan. Cash from the offset account, or wait on a loan increase while the build sits. That part nobody put on the brochure.
What contingency percent actually lasted you to handover, and which variations were the ones that hurt? Trying to work out if we pause upgrades now or keep digging.
