After I got the images I posted a few days ago I was detectoring around to see if there were any other cooler spots, and found this in the corner of the living room:
I didn't think much of it because it's in a far corner which gets the least flow from the heat pump, but today I had to do some work up in the attic and decided to see if there was anything obvious at that location. It's not obvious from the central catwalk but once you get in close...
When the builders relocated the previous owners cowboy wiring they pulled out some of the insulation and never replaced it afterwards, so it wasn't just lack of warm air flow, there was zero insulation in that corner of the ceiling. It's now like this:
Be interesting to see what the readings are tonight, and without the thermal camera I'd never even have known that was even an issue, let alone be able to locate it.