Sorry if this is thread is long dead but I have just picked up on this debate. Philos4424, I have a similar problem. I have a 1960 3 bedroom bungalow that is in need of renovation. I live in Jersey (Channel Islands) so a somewhat different climate to W. Scotland but like you I have no mains gas and no oil tank at present. I am going to replace the existing hot water system (extremely old and probably dangerous electric boiler/tank with immersion heater under the sink) and install a new pressurised system with the tank in the loft. Current heating is Dimplex storage heaters (hugely ineffective and last quarter elec. bill was over £500).
I have been considering my options and the rest of the thread pretty much covers my train of thought: Air source heat pump - too noisy (it is VERY quiet where I live); GSHP - expensive, borehole the only real option, probably will need topping up with electricity; Gas - not really something I'm considering as all gas is imported to the Island and therefore very expensive; Electric - Looking like a good option, and may retro fit solar at some point to provide additional hot water; Oil - Also something I'm really considering (oil fired central heating is common here).
At the moment, the most likely scenario is to install an electric boiler with storage tank that can be fitted with solar (in the future) and wet under floor heating. I will be insulating the suspended timber ground floor between joists with rigid boards, heating pipes over and probably heat plates on top of that before floor finishes.
If anyone has any experience on this and would advise against an electric boiler I would be greatful to hear your thoughts. Oil may be slightly cheaper to run but capital cost/whole life costing may still push me back to electric. Philos4424 have you now fitted your new system? What did you go for if so? Any advice would be much appreciated.
Thanks in advance