-upgraded heating
How much do they charge for external electrical? we will try to only do as much as we 'need' right now and add extra later.
we just had electrical last week, came up to about 11k. Downlights, you pay $56 for each point, then $46 for the actual downlight fitting, so budget $102 for each individual downlight. In a single storey house I would recommend getting a sparky in afterwards to do them as it's relatively easy - we installed a bunch of downlights in our last single storey house, had 20 done in a couple of hours.
And with the garage plaster, I think it depends on the actual floorplan. Our double storey house specifies a bricked garage with brick piers (as there's a first floor above) but many (all?) of the single storey houses have brick wall to the external part of garage, with a plaster stud wall facing the internal part. But I don't think you could have a 1/2 brick, 1/2 plaster garage so they'll stick plaster all around the interior of the garage.
Tim