Divide the budget into cabinetry, worktops, appliances, plumbing and electrical work, finishes, labour, professional fees, and contingency. Lock the layout and service changes early because late changes are expensive.
Step by step
Define the non-negotiables
List the problems the renovation must solve: storage, circulation, ventilation, durability, accessibility, or resale.
Separate fixed and flexible costs
Price required building and service work first. Keep finish upgrades in a separate list that can be adjusted.
Get comparable quotes
Give each supplier the same drawings, inclusions, exclusions, hardware standard, finishes, and installation assumptions.
Protect the contingency
Reserve money for concealed damage, service upgrades, delivery changes, and small scope gaps. Do not spend it on upgrades before demolition.
Expert tips
- Retaining service positions can reduce cost.
- Specify cabinet internals, handles, edges, and hardware—not only door colour.
- Confirm who measures, supplies, installs, connects, and signs off each item.
Common questions
How much contingency should I allow?+
The right allowance depends on the building age, investigation completed, and scope certainty. Older homes and structural changes generally need more.
What should I spend more on?+
Prioritise sound installation, durable hardware, ventilation, worktops, task lighting, and components that are disruptive to replace.
Should I buy appliances before cabinets?+
Select exact appliance models early so cabinet openings, ventilation, power, plumbing, and clearances can be coordinated.
Stop if the work involves structural uncertainty, hazardous materials, heights, live services, gas, serious water damage, or regulated work. Local rules differ—use an appropriately licensed professional where required.