"......replace house stumps....new kitchen....polish...

"......replace house stumps....new kitchen....polish floorboards....fix bathroom.....plaster and paint, garden etc etc etc" for $15K.

Restumping $4185 (already quoted)
Kitchen $5120 (already quoted)putting it in myself, done it many times before, saves a lot, IKEA kitchen)
Tiling $600 (already quoted)
plumber/electric $650 (already quoted)
Floorbaords $250 (hire and do myself)
Paint n plaster/bathroom $2300 (mates rates)
Garden ($400 on some plants) rest is my labour
Interior dressing/decorating (mrs is a designer about $500 in furnishings)

$14,005 cost

Purchase

$265,000 cost
$4000 agent resell
$14,005 reno
$2830 10% contingency

Total cost $285,835

or with stamp duty .....if I have to settle

Total cost $295,335

cheers