Thx folks for the replys, so I timed the cycle tonight, it took 40 minutes after a shower was taken, with the outside temp of 2c. The flow temp seems to keep 5C above the temp of the water and the highest it got to was 51C flow the return was about 5c less at all times when it finished at 48C in the cylinder.
Thanks j1MBO for the numbers, your COP seems 2x better than mine, although you seem to use twice the kWh that we use.
Maybe Im just being picky but my ufh cop seems bang on, DHW Im still not convinced is normal.