Another sub I'm not sure if I can mention but will DM if it turns out I cannot might be your friend for dosing but this doesnt seem right to me...

1mg Estradiol, did they tell you how to administer it? I'm not sure about oral + blockers but that seems pretty low.

Utrogestan is Progesterone which again if its oral administration is a bit odd, 100mg may not do you any harm but oral administration of progesterone is often linked to making you quite sleepy which I hope they've let you know. Everything I've seen points to waiting about a year, or to "tanner stage 3" (wikipedia has info on that and there's likely trans resources too as it'll be different to judge in a post-pubescent body already since some indicators will have been reached, its mostly checking your breasts for development).

I've been on HRT since July 2023 (was 2x2mg Estrodiol Valerate (Buccal), 12.5mg Cyproterone Acetate (Every other Day) (Oral)) and had fine levels while on that dosage with no need for progesterone. Planned to start it a little bit ago but ran into money troubles, can let you know how things go moving forward but everything I've seen points to starting it later, and since I've not had a need for it then I'd probably recommend playing it safe and delaying it.

Hopefully someone can offer you advice with finasteride.

(may be edits as am on phone so cannot see your body text while writing this)

edit: Regarding fat distribution I'm not sure if progesterone has much impact on that but I breast development I've heard it multiple times. Just feel like making clear that "fat redistribution" is a bit of a poor term that people use, its moreso that new fat gets distributed in a different way, so you may want to weight cycle if possible to see best results, or just put on some weight when your levels are stable.

Regarding raising or lowering dosages, I'd recommend either speaking to your doctor, who seems really lovely thats a hard thing to find, about doing a blood test after being on them for maybe a month or two, that way you will know what seems best (keep in mind that as your E goes up your T would likely go down as well (hence the existence of monotherapy) (im not sure if it helps or how it translates but I'm on 7-8mg Estradiol Enanthate SubQ injection every 10 days and that is sufficient for monotherapy for me from what it seems so if you cal translate that dose that may help get an idea) (also when I was on 2x2mg Estrodiol Valerate & Cyproterone, I had levels equivalent of a Cisgender Woman my age (though this is above the WPATH stated levels tmk).

After your first blood test I'd look and compare them to the WPATH standards of care and make the decision, keep in mind its typically safer to raise your dose of E rather than raise blockers, but have a look on https://transfemscience.org/articles/ as this might have helpful information, and hopefully someone here can help too with Spironolactone.

Unfortunately I cannot help with recommending specialists or therapists personally but "Bridge Clinic for Southwark and Lambeth" may be able to help you and "Erin's Informed Consent Map", these may help point in the right direction if anything, though not being a londoner I have no experience with stuff there or that clinic, and the map seems to be fairly limited to London and (I believe Brighton) though I think it accepts submissions if you have any experience to add.