Ancestry is most useful for census records up to 1901, though there's a running problem with the records being mistranscribed.
However if you know the name of an ancestor who was alive, and living in England or Wales, in 1901, (or in Scotland up to 1861) you can get details of his siblings and parents from ancestry - and you can work back through censuses as far back as 1841 (though the 1841 census wasn't comprehensive)
Findmypast.com is very good for trawling through records of births, marriages and deaths - and some other things if you pay extra; if you use that, don't get the ppv option, you'll exhaust your credits in no time at all; get a 12 month subscription which will give you free rein. However it's a bit of a pain trawling through it looking for individual records unless you know exactly when the event you are looking for happened, - to do that use either ancestry, or freebmd.org.uk; with that you can put in a name and a date range and you'll get links to all people who fit in. Their records, though, go up to only about 1915; they are steadily being updated.
I'm not familiar with genealogy.co.uk, or any of the family tree maker CDs.