The RCD requirement now is for all new circuits to a bath/shower room and nothing to do with whatever appliance is involved.My understanding now is that if Z1 an IP rated fan could be used as the CU is modern and has an RCD?
IPX4 (or better) fans are allowed in zone 1.
Similarly the price has nothing to do with whether 12V or 240V.Both IP rated and SELV 12V fans come at a fraction of the figure the electrician is asking for his fan...