@LemonKangroo
Honestly your idea is way too vague to give a meaningful answer on what the MVP budget would be. It's very muddled with no real core to it.
If you were a techie and could build it yourself then the MVP budget would be reasonable. You'd still need a support team but you would be able to project manage it yourself. Big cost saving there.
As you're not a techie you'd need a lead architect to design the infrastructure and oversee the build. Effectively you'd be paying someone to design the app for you (candidly if they thought it was a good idea and did this they wouldn't need you and could launch alone. The commercial side isn't that hard to do and they could change the code to alter the IP so you'd have very little recourse for legal challenge).
But if you did employ a lead architect probably £150k PA at least just for that one person. Then add in back end and front end devs, UX, service desk support for customer problems, system security specialists (your data security would be a major concern here), you'd be looking at £600-700k PA at a minimum with a staff of >6 for tech support.
Without any tech experience how are you going to oversee the sprints with your dev team? you would literally be flying blind. This in itself is a recipe for disaster because you wouldn't know if the coding was actually any good. A bad architect could lead you down the wrong path whilst making it look all shiny and wonderful on the surface. You wouldn't know.
You could outsource but wouldn't recommend if you're not a techie as you wouldn't be able to QA the code and wouldn't necessarily have full control over the product (mixed experience here on outsourcing).
Then accounting, marketing, insurance for PI/PL and cyber security, ongoing data compliance checks. Depending on which operating framework you're aiming for (Andriod or Apple) you'd need someone to ensure interface compatibility and manage updates.
Very, very, very rough figure £1-£1.2M for launch MVP. And thats assuming EVERYTHING goes well and you launch within one year, which you won't. I caveat that figure entirely with its more a guesstimate as your idea is way too vague to really see where all your data points are.
I get the impression you're super keen, creating lists and summarising points but I don't think you are really listening.
Brutally, this idea is a dud. It has financial sink hole written all over it. Don't waste your time. I wouldn't touch this as an investor.
Look for a new idea that is more relevant to today's market and get a tech business partner to help you develop new, fresher ideas that meet today's demands.