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Yeah I’m guessing the UFH must be electric if it’s out in the garden and that costs a fortune to run as the main heat source if so. I have it but only as secondary in my living area and it’s fine because it’s only on for a bit to take the chill off and then it trips off when to comfortable temp. The radiators do most of the work. Seems to then stay warm without needing to come on much again.
But I could see that when I had a smart meter as soon as that was on it was something like 46p an hour to run and that was before the massive energy price hikes a few years ago. That was for an area about 18 sqm and I think it’s a KW per sqm.
When it was installed did they put insulating boards underneath it too? If not it could also be that as much heat is lost underneath as comes out above into the room. When I replaced the floor in my old bathroom the previous lot of UFH was on top of some sodden polystyrene Not good on so many levels I got them to put new insulating boards underneath where the new UFH and floor was laid and it did seem to be really effective x