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deleted-
No problem - if you go down the electric towel rail route, I like these:
https://en.termaheat.com/radiatorsRelatively inexpensive, nice designs, and they offer a really nice neat element option with a concealed cable. Also nice accessories (hooks/rails) for various radiators.
draughts
Speak to a qualified supplier & installer.
Heat pumps are obviously a no-go if it's a flat, and an internal ASHP would be a terrible idea - they're not quiet and you'd be sacrificing valuable floor space to a noisy metal box...
Electric UFH would be good for heating a bathroom (Schluter do a good ditra-mat combined soultion), and you could also put in an electric-only heated towel rail, but heating a whole flat this way would be inadvisable. You want an electric boiler heating water for wet radiators.