7 Questions to Ask Before Signing With a Builder

Building your first home is an exciting milestone, but before you sign a building contract, it's important to understand exactly what's included and what could end up costing you more down the track.

Two builders may advertise similar homes at similar prices, but what's included in those prices can vary significantly. Asking the right questions upfront can help you avoid unexpected costs and make a more informed financial decision.

1. What's Included in the Price?

Don't assume the display home reflects the standard package.

Ask your builder for a list of standard inclusions and compare it with other builders. Features like stone benchtops, higher ceilings, premium flooring and upgraded appliances may be optional extras.

2. What Will I Need to Budget for Separately?

Many builders can include additional items in your contract, while others may leave them for you to organise after handover.

These can include:

• Site works

• Landscaping

• Fencing

• Driveway

• Window treatments

• Air conditioning

• Electrical upgrades

Understanding what's included—and what isn't—will help you set a realistic budget.

3. Are There Any Costs That Could Change?

Some costs, such as site works, may depend on your block and soil conditions.

Ask whether your contract is fixed-price or whether certain items are only estimates that could change during the build.

4. How Long Will the Build Take?

Build times can vary depending on approvals, weather and trade availability.

A realistic timeline will help you plan around renting, selling your current home or other financial commitments.

5. What Warranties Are Included?

Before signing, understand what support you'll receive after handover, including structural warranties, maintenance periods and how defects are managed.

6. Can I Save Money by Organising Some Items Myself?

Some builders offer excellent value by including items like landscaping or air conditioning in your contract. In other cases, it may be more cost-effective to organise these through external suppliers after you've moved in.

Comparing both options can potentially save you thousands.

7. Have I Compared More Than Just the Advertised Price?

A lower build price doesn't always mean a cheaper build overall.

It's important to compare the complete package, including inclusions, upgrades, additional costs and long-term value—not just the headline price.

How WestGen Finance Can Help

At WestGen Finance, we do more than arrange your home loan. Having worked with first home buyers and builders across Perth, we understand the additional costs involved in building and what represents good value in today's market.

We can help you understand the true cost of your build, compare your options and make sure you're making the best financial decision.

If you're thinking about building, get in touch with the WestGen Finance team. We're here to help you understand the numbers before you commit.