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overall build way out of budget by spending money really inefficiently.
Assuming you have income over the next 10yrs, yes it will be less efficient, but it won't be out of budget. It will just be more than your original budget.
Have a look at the numbers against taking on more debt. It may be worth borrowing now if the efficiency savings are that great.
hugo7
We've been in contact with 3 or 4 builders that have all fallen by the wayside for one reason or another.
There are some things we could probably do in stages, but it would just inflate the overall budget to do so. For example, we could get the existing roof redone, but some of the upstairs window sills need replacing, so the obvious time for that is while the scaffolding is up. Doing them at different times and getting the scaffolding done twice is the kind of thing that would put the overall build way out of budget by spending money really inefficiently.