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Thank you all so much for continuing to respond.
Clanad - I don't have a basement or crawl space (which is a shame, I'd love a basement room!).
Mosaic - the crack looks to be the same at top and bottom at the moment, but I've made several pencil marks now, as per The Builder's advice, and I'll watch out for any changes in the width as well.
Peter - funny you should say that, the house next door and the house directly opposite have both just sold for 50k more than I paid not long ago! Mine could do with some TLC though. London is one crazy city.
The Builder - more great advice, thanks for explaining so clearly. I didn't realise there was a difference between a structural engineer and a structural surveyor, that's good to know. And yes, that's exactly where the crack is.
Thanks again all, I feel a lot better now! ☺️