Reviewed 28 August 2026 · New Zealand homeowner guidance
A useful quote explains what will be delivered, what has been allowed for and what remains outside the price. The total is only one line of the decision.
Project and party details
The quote should identify the homeowner, contractor, property and version of the documents being priced. It should state whether GST is included and how long the offer remains open.
For residential building work of $30,000 or more including GST, New Zealand requires a written contract. The contractor must also provide the prescribed checklist and disclosure statement before signing when the threshold applies or the homeowner asks.
A scope that can be checked
Look for clear inclusions by work package: protection, demolition, structure, plumbing, electrical, linings, joinery, finishes, cleanup and handover. Drawings, specifications and schedules should be named rather than described vaguely as ‘plans supplied’.
- What is being removed and retained.
- Materials, brands, quantities or performance levels where known.
- Who supplies appliances, fixtures and specialist items.
- Consent, inspection and certification responsibilities.
- Site access, temporary works, rubbish and final cleaning.
Allowances, exclusions and assumptions
Every prime cost and provisional sum should show what it covers and the value allowed. Exclusions should be specific enough for you to obtain a price elsewhere or consciously accept the risk.
Assumptions matter just as much. If the builder assumes existing wiring is adequate or the floor needs no repair, that condition should be visible before the contract is signed.
Programme, payments and changes
The quote or proposed contract should explain expected timing, milestones, payment claims and the process for delays and variations. A variation should be described, priced and approved in writing before the changed work proceeds wherever practical.
Check warranties, insurance responsibilities, dispute resolution, completion information and who will manage subcontractors. Seek legal advice before signing a substantial building contract.
Frequently asked questions
What is the difference between a quote and an estimate?
A quote is an offer to complete defined work for a stated price. An estimate is an informed approximation. Consumer Protection notes that an accepted quote generally cannot increase unless extra work is agreed or the scope changes.
Are provisional sums bad?
No. They can be appropriate when work cannot yet be measured accurately. The risk comes from unrealistic allowances or too many unresolved packages, so ask what information would convert each sum into a firmer price.
Must a renovation quote include GST?
It should state clearly whether GST is included. Compare totals on the same basis and confirm the contract sum before signing.
Should I accept the cheapest quote?
Not until you have checked that the scope, allowances, exclusions, programme and capability are comparable. A lower total may simply contain less work or more owner risk.
Sources and further reading
Turn the decisions into one renovation brief
Once the broad scope, location, budget and timing are clear, record them together before approaching builders.
Prepare a project brief