(to further beat the GSHP dead horse here where the average temp is probably a little lower than England - east of here where my inlaws are, avg daily temp in winter is somewhere around 30F - avg daily in summer is probably something like 80-85F but with a lot of sunlight (so radiant heat on the house roof and walls - most is reflected or sent back into the atmosphere, but attic areas are always hot so some gets transferred to the house).
Extreme temps below 0F in winter not uncommon (at night), a couple of days per year, and temps in the 90s in summer are common - probably more like several weeks of those.
Heating options there are
* air source heat pump inexpensive, no gas or oil needed, but struggles in extremes - not sure about service life, but better than it used to be. Would guess heat/AC combo in new construction is about $7500
* propane heat / air source A/C - probably about the same cost as heat pump. Propane hauled in is expensive, slightly more than oil, but easy on equipment so some trade off in equipment service - also about $7500
* oil heat (generally water boiler and circulation) / Air source A/C - becoming uncommon and wasn't offered in inlaws development. Don't know why. 150k btu oil boiler is probably not cheap, and annual cleaning is necessary (which is filthy). I think some of the reason this wasn't offered as it doesn't work well with air heat exchange and the HVAC setups are all in one with air. Variable speed fans have gotten rid of the old time myth that forced air heating leaves the temperature bobbing up and down. I have a single speed household and have never actually noticed this, and neither have my parents (who are sure that the temp looks like sine wave with air heat, but have also had a very expensive A/C system installed to complement the circulated water heat, and have never mentioned bobbing temperatures with the A/C - ...anyway
* GSHP - $15-20k, generally in combination with GSHP water tank (slow) which usually results in a reserve water tank (so 160 gallons of hot water on hand instead of 50-80).
FIL's bills show about a $75-100/month reduction in cost despite having a spouse who is my spouse's mother - which means far corners variations of 2 degrees are decried loudly and all rooms must be fully heated or cooled at all times
Along with the OWT that if you allow a room to get warm for three days and cool it later that it will take more energy than it would have taken to keep it cool the entire time.
For new construction, unless someone doesn't have the means to afford another $10-12k in their loan, the other combinations don't make any long-term sense.
for retrofit where boiler heat is in place without ducting, not sure - BIL retrofit forced air and GSP in a brick house that had circulating water, but I'm sure it added a lot to the cost.
HVAC companies here have taken to the game of "servicing" the GSHP systems each year for $300 or so. The service appears to be in proportion to the cost of the system, but time spent is about the same. FIL is hunting around for someone who doesn't charge $300 for 45 minutes of sitting in the basement after changing the air filter. The fact that it costs more for someone to review the GSHP system records and change the air filter vs. a filthy job of cleaning fuel oil boiler tubes, etc (which is an actual hour of nasty work in a large system) is kind of confusing.