I would say 27 is a bit high, you could, (and in my opinion should), drop that by a couple of degrees. At higher temperatures, the water cannot hold as much dissolved Oxygen. Additionally, the metabolic rate of the fish is increased which tends to shorten their lives - not a lot - but enough to notice.
Your temperature should not fluctuate wildly. You are in the UK in November, so we can't blame the tropical heat outside raising your temperature, so it's your heater that's doing it. The majority of heaters turn on and off, thus the temperature rises, the heater switches off, it falls then it switches back on again. However, there should only be a degree or two between the warmest and coldest.
You say it "feels" warm, are you actually seeing large swings on a thermometer - or is it "just a feeling"? If the temperature really is swinging wildly, (say more than 2 degrees) - then I think you need to replace your heater, (or thermostat if you have a seperate one).