I did a bit of an empirical measurement on Saturday which is quite interesting...
Brick bungalow, no underfloor insulation generally, 2" cavity brick walls with blown fibre.
I have added 100mm celotex over the dormer and roof (well, mostly - 75mm for the last 200-400mm above eaves and there are about 5m2 that I have not yet put the final 25mm on, so 75mm currently.
Sunday - metered electric heating only and the building was warm and being held steady state. Used 49.42kWh over 11 hours, so 4490kW average heating power.
By calculation I reckon:
1000W is going out of the DG ali windows (assumed U=3.7W/m2K)
150W single glazed front door (Assumed U=4.8W/m2K)
160W side door
361W new uPVC windows (stated as U=1.7W/m2K)
which leaves (ignoring air changes) 2779W going out the floor, roof and walls.
This works out at an effective U value of 0.47W/m2K
Which is not as good as Part L requires now (around 0.13W/m2K) but considering the floor is uninsulated and the blown fibre is old and only
50mm, does not seem bad.
The ali windows will get a slight improvement when the get reglazed with K glass and maybe argon fill. The frames have a thermal break, and the current glass is running with water inside.