For DSLR look at Fleabay for secondhand.
A possibility
http://cgi.ebay.co.uk/Canon-EOS-30D-...item3a59b390e3
Not too sure of Nikon but do hear good things.
Otherwise you could go for something like a Canon G10 [or 11 but improvements not worth the hike in price IMHO].
http://cgi.ebay.co.uk/Canon-Powersho...item2306c3e8bd
Then you could go for a good little compact point and shoot like the TZ10 from Panasonic which will also do HD
http://cgi.ebay.co.uk/NEW-PANASONIC-...item588764e2aa
This has a pretty good wide lens, although at f3.3 would not be suitable for much low light stuff.
http://cgi.ebay.co.uk/CANON-PowerSho...item45f26b6780
Can anyone tell I'm a canon fan
Cheers
Roo
PS Love the forum, will get Oz pics up shortly.