Re the phone line, it is very easy to set up VoIP and use SPA devices to "covert" BT landline phones (ie. Normal phones) to VoIP so you can use your old phones with your new, non-Openreach connection and save on line rental. This usually works out significantly cheaper than BT anyway. My provider, Sipgate charges £12 for unlimited calls within the EU and significant discounts abroad.
Regarding your actual connection, I pay £40 for 100Mb/s up and down upgrade to 5Gb/s - this is pure fibre to the property (FTTP). I'm rather lucky and in the minority but the deal you get looks reasonable however, you might want to ask Gigaclear if they might be interested in your area...