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@ChasnotRobert
Yes, I've seen how adding nice finishes and fixtures and fittings and ovens etc can soon send costs south in a big way.
I haven't kept track of what we've spent on our current house over the last 14 years but it's quite a bit and it's not finished yet.
The idea of being able to do everything at once is attractive, but then the idea of getting half way through and having to borrow money is less so.