> For the complete documentation index, see [llms.txt](https://docs.scaleconnect.com.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.scaleconnect.com.au/scaleconnect-docs/scaleai/broker-brain/ask-ai.md).

# Ask AI

Ask AI is your on-demand chat interface with ScaleAI. It answers questions about your clients, their strategies, your loan book, and property investment concepts — using live data from your brokerage.

Open it from the **AI Brain button** (the glowing brain icon) in the top navigation bar. A full-screen chat window opens with your conversation history on the left and the message area on the right.

![Ask AI full-screen view showing conversation sidebar on the left and chat area on the right](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-41210f7537ed37c8974a8ab83e10a49709abc503%2FAI_Assistant_Home.png?alt=media)

***

## How to Access Ask AI

| Method               | Where                             | What Opens                                           |
| -------------------- | --------------------------------- | ---------------------------------------------------- |
| **AI Brain button**  | Top navigation bar (every page)   | Broker Brain — questions about your full loan book   |
| **AI Assistant tab** | Client detail page → AI Assistant | Client Assistant — questions about a specific client |

The AI Brain button has a purple gradient border and sits in the top-right toolbar alongside notifications, calendar, and tasks.

***

## Two Modes

Ask AI operates in two modes depending on where you open it. The mode determines how ScaleAI interprets your questions and presents data.

{% tabs %}
{% tab title="Broker Brain" %}
**Opened from:** AI Brain button in the top bar

Broker Brain is your loan book intelligence engine. It has context across your **entire client base** — every client, every property, every loan, every strategy.

Use it for:

* Portfolio-wide questions ("How many clients have LVR under 80%?")
* Revenue and commission analysis ("What's my projected trail income?")
* Refinance and equity signals across your book
* Client segmentation and filtering
* Brokerage performance snapshots
* Pipeline and deal flow analytics

Broker Brain speaks about your clients in third person: *"Your client Sarah has an LVR of 62%"* — not *"Your LVR is 62%."*

![Broker Brain modal showing a book-level query with formatted table response](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-448e56e71c763fc973a1eb575edc84e22a215ca3%2FBroker_Brain_AI_Chat_Body.png?alt=media)
{% endtab %}

{% tab title="Client Assistant" %}
**Opened from:** AI Assistant tab on a client's detail page

Client Assistant focuses on a **single client's** portfolio, strategies, and cashflows. It has full context on that client's properties, loans, goals, personal details, and simulation data.

Use it for:

* Deep dives into a client's strategy ("What's driving their negative gearing position?")
* Cashflow analysis at property, personal, or portfolio level
* Goal tracking ("Are they on track for their next purchase?")
* Strategy comparison across scenarios
* Generating review summaries
* Explaining specific metrics with the client's real numbers

You can switch between strategies using the **strategy selector** below the input box.

![Client Assistant tab with strategy selector visible below input](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-41210f7537ed37c8974a8ab83e10a49709abc503%2FAI_Assistant_Home.png?alt=media)
{% endtab %}
{% endtabs %}

***

## What You Can Ask

ScaleAI has access to live data from your brokerage. It can query client profiles, portfolio metrics, property details, loan structures, cashflows, goals, and more — then combine that data with financial knowledge to give you contextualised answers.

### Client and Portfolio Questions

{% hint style="info" %}
Broker Brain queries work across your full client base. Client Assistant queries are scoped to the client you're viewing.
{% endhint %}

<table><thead><tr><th width="228.0390625">Category</th><th>Example Prompts</th></tr></thead><tbody><tr><td><strong>Client overview</strong></td><td>"Give me a snapshot of Sarah Chen's portfolio"</td></tr><tr><td><strong>Loan book analysis</strong></td><td>"Which clients have fixed rates expiring in the next 90 days?"</td></tr><tr><td><strong>Equity and LVR</strong></td><td>"Show me clients with LVR under 70% who might have equity to release"</td></tr><tr><td><strong>Refinance signals</strong></td><td>"Who are my strongest refinance candidates right now?"</td></tr><tr><td><strong>Revenue</strong></td><td>"What's my total trail commission across the book?"</td></tr><tr><td><strong>Goal tracking</strong></td><td>"Is this client on track to reach their deposit target?"</td></tr><tr><td><strong>Borrowing power</strong></td><td>"How much additional borrowing capacity does this client have?"</td></tr><tr><td><strong>Cashflow analysis</strong></td><td>"Break down this client's personal cashflow for FY2026"</td></tr><tr><td><strong>Property performance</strong></td><td>"How is the investment property in Brisbane performing year on year?"</td></tr><tr><td><strong>Strategy comparison</strong></td><td>"Compare the base strategy with the refinance scenario"</td></tr><tr><td><strong>Tax and deductions</strong></td><td>"What's the negative gearing offset across this client's portfolio?"</td></tr><tr><td><strong>Pipeline</strong></td><td>"How many clients are in my active pipeline?"</td></tr></tbody></table>

### Knowledge and Education

ScaleAI draws on a built-in knowledge base covering Australian property investment concepts, tax rules, and financial modelling logic.

| Category               | Example Prompts                                                        |
| ---------------------- | ---------------------------------------------------------------------- |
| **Concepts explained** | "What does LVR mean and where does mine sit?"                          |
| **Tax rules**          | "How does the six-year CGT absence rule work?"                         |
| **Calculations**       | "How is stamp duty calculated for a $1.2M property in Victoria?"       |
| **Benchmarks**         | "What's a healthy rental yield for a Sydney investment property?"      |
| **Depreciation**       | "How does diminishing value depreciation work on plant and equipment?" |

ScaleAI always leads with your client's actual numbers before explaining the concept — you won't get a textbook answer without context.

***

## Example Prompts

These are practical questions Australian mortgage brokers ask day-to-day. Try them in Broker Brain:

* "Summarise this month's brokerage performance"
* "Which clients are due for a review this month?"
* "Show me clients with LVR under 80% who could refinance"
* "How many first-time buyers do I have in my book?"
* "What's my projected trail and upfront commission?"
* "List all clients with investment properties in Queensland"
* "Who has the highest equity available across my book?"
* "Give me a breakdown of my loan composition by lender"

And in Client Assistant:

* "Generate a review summary for this client"
* "What's this client's portfolio worth today vs when they started?"
* "Break down each property's cashflow contribution"
* "Are they meeting their savings targets for the next deposit?"
* "What happens if interest rates rise by 0.5%?"
* "Compare the base strategy with the equity release scenario"

***

## How ScaleAI Knows About Your Clients

ScaleAI connects to your brokerage data in real time. When you ask a question, it queries the relevant data endpoints behind the scenes — you'll see tool indicators appear while it's fetching information.

The data ScaleAI can access includes:

* **Client profiles** — name, contact details, income, expenses, dependents, marital status, citizenship
* **Properties** — address, type, state, purchase price, current value, bedrooms, bathrooms
* **Loans** — lender, balance, rate, type (P\&I / IO), fixed or variable, tenor, commission
* **Portfolio metrics** — LVR, equity, debt, borrowing power, cashflow, funding position
* **Goals** — target property type, price, state, savings progress, completion status
* **Strategies** — each scenario the client has configured in the simulator
* **Cashflows** — personal, property, and portfolio-level projections across financial years
* **Timeline data** — month-by-month snapshots for granular analysis
* **Dashboard metrics** — deal flow, pipeline, loan composition, lifetime value, operational health

{% hint style="info" %}
Data is fetched from the backend cache for fast responses. The cache refreshes automatically, so you're working with current figures.
{% endhint %}

***

## Conversation Management

Ask AI keeps a history of your conversations in the left sidebar.

* **New conversation** — Click the **+** button in the sidebar header to start fresh.
* **Switch conversations** — Click any past conversation to resume it. Conversations are grouped by date (Today, Yesterday, Last Week, This Month, Older).
* **Conversation titles** — Auto-generated from your first message in each conversation.
* **Collapse sidebar** — Click the history icon in the top-left to hide the sidebar and expand the chat area.
* **Clear history** — Open Settings → Data & Privacy → Clear Conversation History.
* **Export** — Open Settings → Data & Privacy → Export Conversations to download your chat history as JSON.

Each conversation maintains its own context, so switching between them won't mix up your questions and answers.

![Conversation sidebar expanded showing grouped history](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-41210f7537ed37c8974a8ab83e10a49709abc503%2FAI_Assistant_Home.png?alt=media)

***

## Voice Input and Output

Ask AI supports hands-free interaction through voice.

* **Voice input** — Click the microphone button (right side of the input box) to speak your question. Your speech is transcribed and placed in the input box for you to review before sending.
* **Voice output** — Enable in Settings → Voice & Audio. When enabled, ScaleAI reads responses aloud using text-to-speech. You can choose from multiple voice options.
* **Auto-speak** — When voice output is enabled, new responses are automatically read aloud. Toggle this off in Settings if you prefer to trigger playback manually.

{% @arcade/embed url="<https://app.arcade.software/share/nSkovPY0P8YbmMYZAB7K>" flowId="nSkovPY0P8YbmMYZAB7K" %}

![Voice input active with microphone button highlighted](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-6fb35e49b55e6f7fd545edab241beea9b4e6e3d6%2FAI_Assistant_Voice_Chat.png?alt=media)

{% hint style="info" %}
Voice input requires microphone permissions in your browser. Chrome, Edge, and Safari are supported.
{% endhint %}

***

## Response Actions

In **Client Assistant** mode, each AI response includes action buttons:

| Action           | What It Does                                                    |
| ---------------- | --------------------------------------------------------------- |
| **Copy**         | Copies the response text to your clipboard                      |
| **Share**        | Shares via your device's share sheet (or copies if unavailable) |
| **Regenerate**   | Re-sends the previous question to get a fresh response          |
| **Add to Notes** | Saves the response as an AI Summary note on the client's file   |

![AI response with Copy, Share, Regenerate, Add to Notes action buttons visible](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-747d6a5bff70e88473ecaabe11d12c019bbc24f8%2FAI_Assistant_Response.png?alt=media)

***

## Settings

Open Settings from the gear icon at the bottom of the conversation sidebar.

| Section            | What You Can Configure                                                                  |
| ------------------ | --------------------------------------------------------------------------------------- |
| **Voice & Audio**  | Toggle voice output on/off, select a voice, enable/disable auto-speak                   |
| **AI Model**       | Choose between AI model options (Claude Sonnet 4 is the default)                        |
| **Appearance**     | Font size (Small / Default / Large), message density (Compact / Comfortable / Spacious) |
| **Data & Privacy** | Export conversation history, clear all conversations                                    |

***

## Ask AI vs Broker Brain Insights

Ask AI and [Broker Brain](/scaleconnect-docs/scaleai/broker-brain.md) are complementary features powered by the same ScaleAI engine, but they serve different purposes.

|                 | Ask AI                                          | Broker Brain                                          |
| --------------- | ----------------------------------------------- | ----------------------------------------------------- |
| **Interaction** | You ask, it answers                             | It proactively surfaces insights                      |
| **Trigger**     | On-demand — you open it when you need something | Automatic — runs on a schedule or when data changes   |
| **Best for**    | Specific questions, deep dives, ad-hoc analysis | Staying on top of your book without actively checking |
| **Access**      | AI Brain button or Client Assistant tab         | Dashboard cards and notification feed                 |

Think of Broker Brain as the intelligence that comes to you, and Ask AI as the intelligence you go to.

***

## Limitations

* **Not a financial adviser.** ScaleAI provides data analysis and educational context, not personal financial advice. It won't recommend specific products or tell a client what to do.
* **No write actions.** Ask AI reads your data — it can't create clients, modify strategies, submit loans, or change settings on your behalf.
* **Session-based history.** Conversation history is stored in your browser session. Clearing your browser data or logging out will reset your chat history.
* **Single strategy scope in Client Assistant.** When asking about a specific client, responses reflect the currently selected strategy. Use the strategy selector to switch.
* **Complex calculations.** For precise scenario modelling (e.g. "What if I refinance at 5.8% and extend the tenor to 30 years?"), use the [simulator](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/README.md) — it runs the full financial engine. Ask AI can explain what would happen directionally, but the simulator gives you the exact numbers.
* **No document generation.** Ask AI can draft text summaries and review content, but it doesn't produce formatted PDF reports. Use [AI Reviews](/scaleconnect-docs/scaleai/ai-assistant/ai-reviews.md) for client-facing review documents.

***

<details>

<summary>Can I ask about multiple clients in one question?</summary>

Yes, in Broker Brain mode. Ask something like "Compare Sarah Chen and James Nguyen's LVR" or "Which of my clients in Victoria have the highest equity?" Broker Brain has access to your full client list.

</details>

<details>

<summary>Does Ask AI remember previous conversations?</summary>

Within a conversation, yes — it maintains full context of the chat thread. Across conversations, no — each conversation is independent. Use the sidebar to switch between past conversations.

</details>

<details>

<summary>Why does ScaleAI show tool indicators while responding?</summary>

ScaleAI uses tools to fetch your live data before answering. The tool indicators (e.g. "get\_broker\_clients", "get\_portfolio\_overview\_data") show which data sources it's querying. This is normal and means your answer is based on real, current data rather than cached or general knowledge.

</details>

<details>

<summary>Can I use Ask AI on mobile?</summary>

Ask AI is designed for the ScaleConnect desktop experience. For on-the-go access, the ScaleApp mobile app has its own AI assistant with client-facing context.

</details>

<details>

<summary>Is my conversation data shared with clients?</summary>

No. Conversations in Ask AI are private to your broker account. Client Assistant conversations are not visible to the client. If you want to share a response with a client, use the **Add to Notes** action to save it to their client file, or copy and paste it into a message.

</details>


---

# Agent Instructions
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## Querying This Documentation
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```
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```

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