What the fees actually buy
Before anyone lays a brick, a small handful of people need paying. Drawings come first. An architect or an architectural designer produces the scheme, the planning drawings and, later, the building regulations package that a builder can price and construct from. Fees are quoted either as a fixed sum for a defined stage or as a percentage of the build cost for a full service, and the percentage route is more common on larger projects. Getting a full set of drawings and a written specification is money well spent, because it is the only way three builders can price exactly the same job.
A structural engineer sizes the beams, the lintels and the foundations, and issues calculations that building control will want to see. Building control itself is a separate charge, taken either by the council or by a private building control approver, and it pays for the inspections at foundation, drainage, structure, insulation and completion stages, plus the certificate at the end that you will need when you sell. If the work sits on or near a boundary shared with a neighbour, the Party Wall etc. Act 1996 may apply, and that can mean serving notices and appointing a surveyor.
Planning fees are set nationally and published on your council's website, so the current figure is easy to check for Reigate and Banstead, Mole Valley, Tandridge, Epsom and Ewell or whichever authority covers you. Not every extension needs an application. A good deal of single storey work still falls under permitted development, which saves the fee and several weeks. We are not architects and we do not pretend to be. We work alongside your architect, or we can introduce you to architects and designers we trust, and we give them the buildability side of the picture early so the drawings that go in are drawings that can actually be built.
Why 10 to 15 percent contingency is sensible
A contingency is not an admission that the price is wrong. It is the reserve that stops a surprise turning into a stalled site. On a modern house in reasonable condition, 10 percent of the building cost is a sensible reserve. On a Victorian or Edwardian property, on a sloping plot, or anywhere the drains are a mystery, 15 percent is the wiser number. Set it aside at the start, keep it separate from the agreed price, and treat any of it you do not spend as money you never had to find.