HiIf a thorough calculation is completed you will arrive at the most accurate result. Having said that there are often cases where the homeowner just doesn’t know what, if any insulation is present. Times like that you would use quick reference guides but as I said above these can be way off at times. Once you have an idea of your loads then you can start designing the system. Is the customer happy with a high temperature system? Or do they want to maximise efficiency as much as possible and have a low temperature system installed and so on and so on. Before any of this can be decided and priced up and quoted for you need those initial heat loss figures.
This is my own house, looking for get heat into it. It takes hours for it to heat up, our previous house was never like this.