I had the same nitemare when it came down to doing the electrics up in my loft, seeing as i know jack shit about electrics.
All i did in the end, was to buy some good quality ext. cable from b&q(no less than 5mm thick)then locate a double socket down below in one of the bedrooms.Drill 2 holes in the ceiling & run your cable down from the loft & down the bedroom wall, & wire your cable's into the socket's.
Abit basic, but it's working for me & i'm running a 600w hps 1x 6"Lti exstraction & the water pump off one cable, & the other i'm running 1x 4"Lti input 1x osc.fan 1x air stone 1x water heater.
I also ran abit of electrical trunking up the bedroom wall for the cables as this stops 1. your kids from yanking on 'em
2. your missus from moaning about the bright orange wires going up 'er bloody bedroom wall.
hope this helps you out some in anyway, all the best

MT