OK, so I found out that my drill won't fit between the joists (between ground floor and first floor) with a 25mm bit in it so I'm looking for a right angle drill or a right angle adapter.
I found this one:
This is cheap but doesn't look like it would cope either:
(I realise I can very easily cut a notch in the top of the joist but a drill is quicker, neater and easier - it will also mean I can put the pipes lower down in the joist which will stop them from heating the very creaky floorboards causing expansion and banging.)
TIA
Mr F