You’ve planned the perfect refurbishment. You’ve got the drawings. You’ve got the quote. But have you planned for the builder who walks off the job? Or the £3,600 steel beam you didn't know you needed? In this episode, Noel Cardona exposes the brutal reality of refurbishment costs and reveals the exact contingency percentages you need for Buy-to-Lets, HMOs, and Listed Buildings. Stop guessing and start protecting your profit.