For our 41sq house, matte porcelain in living areas came to $6.5ishk, cat 2 carpet $5k
I think you are good with $20k provision

Building in Adelaide. Metricon worked out to about $65/m2 for cat 4 carpet installed. This was 5 star engineered solution dyed polypropylene carpet. …

Oh, and tiling came to $12.5k for approx 110m2 of 600x600 Haven Light Bone Shine tiles.
http://www.beaumont-tiles.com.au/All-Pr ... 1/pspid/18
These are not rectified edge tiles. …