Fiddling around, because I'm thinking of changing ISP I happened to notice that BT's DSL Checker has updated out "estimated speed" from "Up to 1.0" to "Up to 2.0". I am still puzzled as to how those figures are derived, if it was purely based on physical parameters then I wouldn't have expected it to have changed, nor would I expect our estimate to be higher than the two neighbours I checked, both of whom are on shorter lines. It doesn't seem to be based on historical performance either.
It seems to have pulled through to the estimates that some ISPs show, but not all. For example Plusnet estimates a range of 1-3.5, whereas SSE says "Up to 4.0"