Similar issue here, full fibre roll out is estimated to be complete in 2025.

I’m just outside Newcastle on the coast and could get Virgin but my neighbours have had a nightmare with it.

They only rolled out their fibre about three months ago so there might be issues with that

Where the hell in the UK are you? I’m in the North and pay £26 for 60mbps but get more like 70 due to how close I am to the street cabinet though I haven’t even got copper cable here, just crappy aluminium that is so old I think Alexander Graham Bell himself fitted them.