For kitchen, living room and bedrooms, f you keep the flooring or just do overlay. For the toilets, maybe just do overlay if you can't keep the floor and wall tiles. You can save a lot by not hacking the floors.
Not advertising and never earn commission. The contractor I just used for my house is reliable and good. But he is more of the Chinese kind, If it is the usual hacking, painting, polishing, custom make wardrobe, he can do it at a very reasonable price. No GST too. His name is Andy, number 9146 0119.
Bedokboy, your quotation is high but are you redoing the entire flat? I'm kiasu, I have nine quotations and the min. quote is $38K for my 5room. Recently signed with an ID and contractor for $45K, not including rewiring.
Go with a reliable contractor than one that gives you the lowest quote.
Btw, you need to set aside a few thousands for items that are outside of the contractor's quote. For example, aircon system, sink, hobs & hood, lights, etc. You may also need to top up money if you don't want the standard items from them. Be wise with your money