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beseku
@Hefty
Depends on how honest you are...
If you don't own up to having made any structural changes no one will ever know it wasn't there when you moved in. But the right/legal/safe thing to do is get building control to approve it. You can ask a structural engineer to spec it as your builder suggests and building control will accept their calculations, or most [all?] building control departments will do the calcs and spec it for you for a fee. Give your local authority a ring and ask for a price.
£550 sounds insane to a non-Londoner. Even in Cambridge's famous Cambridge, the least affordable place outside London, I'd want to pay half that.