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In many ways if you have wound up in scotland or the north, you've won. You can get an enormous amount of property for your cash, and whilst salaries are lower, the delta is in no way representative of the difference between the cost of living.
I sold a 1 bed bed flat in bow in 2014 for 435k. It had no outside space and no parking. 435k in some parts of scotland would have got me a farm with acreage and 6 bedrooms and a carriage driveway. Its fucking mental.
I dont care how much cash you have, 400k is an enormous amount of money and theyre being taken for an enormous ride.
At my last house, it had some bollocks old lean to make out of bricks. It was really shit and cold. The footings were ok tho so I knocked it down and rebuilt it as a timber framed conservatory. I was pushing my luck calling it a conservatory but the house sold ok in the end.
From knock down to rebuild it only cost 8 grand all in to do it in 2018. I helped the builder out a little but he did 95pc of it.
Id say now it would be 20k at a minimim