Unfortunately Danny there is no ‘best bike for the money’ simply because there now such a bewildering choice of options. Much of it comes down to personal preference and price. I would go for a quality steel frame and forks, combined brake/gear shifters, drop bars and disc brakes. Most will now have discs.
The Panorama suggested by raleighnut is a good one but they have some cheaper options if you feel that is too pricey:
https://www.ridgeback.co.uk/bikes/touring
Something else to consider, you don’t necessarily need rack and panniers, there is now a trend for ‘bikepacking’ meaning everything is carried in packs attached to the frame/bars/seat tube. It means you travel lighter with better weight distribution but forces you to take just the essentials and it also opens up the choice of bikes. Loads of videos on YouTube.
Good luck with whatever you decide.