Couple of Q's
You say their are "plenty" of good installers. What does "plenty" mean? There might be plenty, but if the majority are not good, then, realistically, unless you are in the know, its more likely, than not, you will get a "not good" job. Which is what seems to be happening in the real world.
This house with £11k of materials, was it some kind of mansion? I struggle to see how this would cost £11k in materials on an "average" house. For mine doing a "johnmo" as it were and as suggested on this thread, you have a ASHP, a UVC, some sort of wiring/control center, some UFH pipe and some rads. I couldnt get that close to £11k in materials even if i tried.