The 2 pole is a must - any time you work on an installation it's the way you prove it's safely isolated. See "Safe Isolation Procedure" videos on youtube.
Unfortunately that won't be enough for a new one that does the 4 things you need (loop tests, insulation resistance tests, continuity tests and RCD tests.)
One of the cheapest decent new ones is this one:
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Metrel MI3125 Eurotest Combo Lite
#html-body [data-pb-style=RGQAWI2]{justify-content:flex-start;display:flex;flex-direction:column;background-position:left top;background-size:cover;background-repeat:no-repeat;background-attachment:scroll;border-style:none;border-width:1px;border-radius:0;margin:0 0 10px;padding:10px}#html-body...www.test-meter.co.uk
If you are set on an MFT then find a 2nd hand 1552 or 1553 coming with a 12 month calibration certificate (proving that it works) from a seller that accepts returns. Usually £300 tops would get you one.
Thanks so much that's was so helpful.
I think I'll get the fluke t150. As you dn nicebutdim has also recommended it.
I think at this stage an MFT would be too expensive to buy. Is this also a staple item to buy in the future like 2 poll? If working mainly in homes and small businesses?
Anymore testers like the 2 poll worth buying now?