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Introduction When we help clients plan a commercial fit-out, the biggest budgeting mistakes usually happen before construction starts. Many businesses begin with a rough number for walls, flooring, lighting, and joinery, then discover that the real budget also needs to absorb design fees, landlord requirements, building services upgrades, compliance work, after-hours access, and contingency for unknowns hidden inside an existing building. In New Zealand, commercial fit-out budgets can vary widely depending on whether you are taking over a warm shell, cold shell, or existing fitted premises; whether the space is office, retail, hospitality, clinic, or mixed-use; and whether the building’s