Calculate the stamp duty payable on the price of K300 000 for owner occupied home purchase.

The purchase price of K300 000 falls into the bracket "K251 000 to K500 000".

The formula is K2 500 + K3.50 per K100 for the amount over K250 000.
Amount over K250 000 = K300 000 - K250 000 = K50 000.
Stamp duty on the excess amount = $\frac{\text{K50 000}}{\text{K100}} \times \text{K3.50} = 500 \times \text{K3.50} = \text{K1750}$.

Total stamp duty = K2 500 (base amount) + K1750 (excess amount) = K4250.
The stamp duty payable is K4250.

The purchase price of K510 000 falls into the bracket "Over K500 000".

The formula is K11 250 + K3.75 per K100 for the amount over K500 000.
Amount over K500 000 = K510 000 - K500 000 = K10 000.
Stamp duty on the excess amount = $\frac{\text{K10 000}}{\text{K100}} \times \text{K3.75} = 100 \times \text{K3.75} = \text{K375}$.

Total stamp duty = K11 250 (base amount) + K375 (excess amount) = K11 625.
The stamp duty payable is K11 625.

Purchase price = K240 000. This falls into the "Up to K250 000" bracket.
Stamp duty on purchase = $\frac{\text{K240 000}}{\text{K100}} \times \text{K1.00} = 2400 \times \text{K1.00} = \text{K2400}$.

Loan amount = K195 000. Assuming the same stamp duty rates apply to the loan, this falls into the "Up to K250 000" bracket.
Stamp duty on loan = $\frac{\text{K195 000}}{\text{K100}} \times \text{K1.00} = 1950 \times \text{K1.00} = \text{K1950}$.

Bank fees = K600 (application) + K200 (valuation) + K300 (settlement) = K1100.
Solicitor fee = K650.
Total cost = Bank fees + Solicitor fee + Stamp duty on purchase + Stamp duty on loan.
Total cost = K1100 + K650 + K2400 + K1950 = K6100.
Ritchie's total cost on fees and charges is K6100.