When building your home, a builder will never give you a fixed price contract without any room for variations. The most common variations are when the builder start digging, soil removal, rubbish removal and preparation of the land before the construction starts. There are allowances for these items, but the builder doesn’t know what they are working with until they start digging. If the expense exceeds the amount allocated in the contract price, you will be sent a bill for the difference. This is called a variation. Variations cannot be paid by the bank, you will need to pay for them from your pocket.