However, as you said before, filling a bath would be 60(hot):40(cold) so for a 400ltr bath I would need 240 ltrs hot water which, at 12 ltrs/min would take 20 mins.
Is 20 mins okay to fill a bath? I don't really have baths often so I wouldn't know. This is really just for the girlfriend!
The 60/40 bit only works if hot is around 60 - 65 & cold is around 10deg C the blend would give hot water at around 40. With a combi (instantaneous heater) the power is fixed (say 28kW) & the flow rate can be adjusted to give the require outlet temperature. So increase the flow & outlet temp goes down, slow it & it increase (it is said to be proportionate).
Most manufacturers state the flow rate with a 35deg rise, so if incoming mains water is at 10 deg C the outlet temp would be 45 with a flow rate of 12L/M.
45 is little more than hand hot so by the time it gets to said bath & heats up the material, sits around for half hour it all equals a cold bath.