do you have much cash flow in hand? what type of property and for investment or own stay?
it is better for you to get quotation from few contractor before decide what to do...
if you are tight in budget and not in hurry just do it phase by phase, remember to allocate more budget and calculate how much cash flow after deduct your loan etc

no worry bro and do get to know current price of reno before starts furnishing your home
after all, you def do not want overspend and maybe keep it simple if you are planning to upgrade your home in future
quality > quantity