Thanks guys, its very nice to have an insight into the different approaches.
@BlueDreamer That is quite an interesting approach getting the client to populate their own content, which is something that I am going to consider. It' s been a nightmare trying to get the content from the client, it just seems to delay everything.
@fisicx Do you just not start until you have the content for the client? My approach was to build the template while they put together the content. the projects that I have been involved in the client has had a previous website to go by so I've been able to base some of the content around that, which is why I usually use the dummy text.