> 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/simulator/templates.md).

# Templates

Templates are pre-built starting points that fill in forms with realistic data, so you can assemble a complete client strategy in minutes instead of entering every field manually. They cover client profiles, properties, goals, and AI automation settings.

Two template systems exist in ScaleConnect: the **Template Builder** (used when onboarding a client) and **Strategy Templates** (quick-start cards on the Simulator home page).

***

## <mark style="color:$primary;">Template Builder</mark>

The Template Builder is a full-screen modal that appears during the Add Clients flow. It lets you pick from pre-built templates across four categories — client profiles, properties, goals, and AI automations — then combines your selections into a single strategy.

### Using the Template Builder

1. Select a **client profile** template. This pre-fills personal details, income, savings, and tax information. You can add up to two clients (e.g. for joint accounts).
2. Add one or more **property** templates. Each pre-fills address fields, purchase price, loan structure, rental income, and assumptions.
3. Add a **goal** template. This pre-fills the target purchase price, deposit, stamp duty, LMI, and other acquisition costs.
4. Optionally add an **AI automation** template. This configures the review frequency, trigger conditions, and which review parameters ScaleAI analyses.
5. Click **Save** to close the Template Builder and return to the Add Clients form with all selected templates applied.

You can mix and match freely — use a First Home Buyer client profile with a Queensland Apartment property template and an Investment Goal, for example.

{% hint style="info" %}
Templates pre-fill form fields but leave personal identifiers (name, email, phone, address) blank. You still need to enter the client's actual details before saving.
{% endhint %}

After saving, every pre-filled field is editable. Adjust any value to match the client's real situation — the template is a starting point, not a locked configuration.

{% @arcade/embed url="<https://app.arcade.software/share/5YLp7XX88nf8hDGeoOlZ>" flowId="5YLp7XX88nf8hDGeoOlZ" %}

***

## <mark style="color:$primary;">What's in a Template?</mark>

A template can contain data for one or more of these sections:

<table><thead><tr><th width="216.00390625">Section</th><th>What's pre-filled</th></tr></thead><tbody><tr><td><strong>Client profile</strong></td><td>Date of birth, client category, citizenship, partner status, healthcare, HECS debt, dependents, savings, salary, expenses, superannuation</td></tr><tr><td><strong>Property</strong></td><td>Property type, lot type, state, purchase price, land value, purpose (owner-occupier or investment), stamp duty, legal/inspection fees, loan amount, interest rate, loan term and type, commission rates, growth and cost assumptions, rental income, LMI</td></tr><tr><td><strong>Goal</strong></td><td>Goal type (home or investment), target price, deposit amount and percentage, stamp duty, LMI, other expenses, total acquisition costs</td></tr><tr><td><strong>AI automation</strong></td><td>Review frequency, meeting trigger and target, template message, and 10 review parameter toggles</td></tr></tbody></table>

### Client Profile Templates

Three client profile templates are available. Each pre-fills personal details, financial position, and tax-related fields.

| Template                         | Scenario                               | Key defaults                                       |
| -------------------------------- | -------------------------------------- | -------------------------------------------------- |
| First Home Buyer                 | Young buyer with savings and HECS debt | $95k salary, $65k deposit, $28k HECS, 0 dependents |
| First Home Buyer – Lower Savings | First buyer with a smaller deposit     | $78k salary, $35k deposit, no HECS                 |
| Existing Home Owner              | Established owner looking to invest    | $155k salary, $120k deposit, partner, 2 dependents |

### Property Templates

Six property templates cover common Australian property scenarios. Each pre-fills the property type, purchase price, loan structure, rental income, and growth assumptions.

| Template                            | Purpose                       | State | Price      | Loan type            |
| ----------------------------------- | ----------------------------- | ----- | ---------- | -------------------- |
| Investment Property – NSW           | Standard NSW investment       | NSW   | $820,000   | P\&I                 |
| Owner-Occupier – Interest Only      | Owner-occupied with IO period | NSW   | $1,450,000 | Interest Only (5 yr) |
| Owner-Occupier DTO                  | Owner-occupied dual income    | NSW   | $1,650,000 | Interest Only (5 yr) |
| NSW Investment + Interest-Only Loan | Investment with IO structure  | NSW   | $780,000   | Interest Only (5 yr) |
| Investment Property – VIC           | Victorian unit investment     | VIC   | $620,000   | P\&I                 |
| Queensland Apartment                | QLD apartment investment      | QLD   | $585,000   | P\&I                 |

### Goal Templates

Three goal templates pre-fill acquisition cost estimates including stamp duty, LMI, and deposit structure.

| Template        | Goal type              | Target price | Deposit | State |
| --------------- | ---------------------- | ------------ | ------- | ----- |
| Home Goal       | Home purchase          | $800,000     | 10%     | QLD   |
| Investment Goal | Investment purchase    | $750,000     | 20%     | NSW   |
| Upgrade Goal    | Upgrade to larger home | $1,200,000   | 20%     | VIC   |

### AI Automation Templates

Three automation templates configure how ScaleAI monitors the client's strategy and triggers reviews.

| Template                 | Frequency | Trigger          | Review focus                                        |
| ------------------------ | --------- | ---------------- | --------------------------------------------------- |
| Monthly → Growth         | Quarterly | LVR hits 80%     | All parameters enabled, auto-books meeting          |
| Monthly → Cashflow       | Monthly   | Equity threshold | Cashflow, rate sensitivity, borrowing power         |
| Quarterly → Debt Paydown | Quarterly | Goal progress    | Debt reduction, tax optimisation, wealth trajectory |

Each automation template sets review parameters (portfolio performance, loan competitiveness, cashflow, rate sensitivity, tax, wealth trajectory, borrowing power, market opportunities, and action items) and a message template for client communication.

***

## <mark style="color:$primary;">Strategy Templates</mark>

{% hint style="danger" %}
This feature is currently undergoing QA.
{% endhint %}

{% hint style="info" %}
Strategy templates are coming soon. Clicking any card currently shows a preview dialog — the templates are not yet active. Once released, selecting a strategy template will create a new pre-populated strategy directly from the Simulator home page, without going through the full Add Clients flow. You can help prioritise which templates ship first by sending feedback via the in-app chat widget.
{% endhint %}

{% @arcade/embed url="<https://app.arcade.software/share/3UWlDjJzkSBJJwkf0q0c>" flowId="3UWlDjJzkSBJJwkf0q0c" %}

Eight pre-built templates are available on the Simulator home page:

<table><thead><tr><th width="251.88671875">Template</th><th>Use case</th></tr></thead><tbody><tr><td>First Home Buyer</td><td>Young buyer, low deposit, LMI, cash-only saving</td></tr><tr><td>Rentvesting</td><td>Buying investment while renting</td></tr><tr><td>5% Deposit</td><td>Low-deposit purchase with higher LMI</td></tr><tr><td>Guarantor Loan</td><td>Family guarantee to avoid LMI</td></tr><tr><td>Equity Release</td><td>Unlocking equity from existing property</td></tr><tr><td>Investment Upgrade</td><td>Adding a second investment property</td></tr><tr><td>Construction + Refinance</td><td>Build then refinance into a standard loan</td></tr><tr><td>Downsizer</td><td>Selling the family home and restructuring</td></tr></tbody></table>

***

<details>

<summary>What's the difference between the Template Builder and Strategy Templates?</summary>

The Template Builder is available now inside the Add Clients flow. It lets you combine individual templates (client profile + property + goal + automation) to assemble a custom strategy during onboarding. Strategy Templates (on the Simulator home page) will be one-click starting points that create a fully pre-built strategy — they aren't active yet.

</details>

<details>

<summary>Can I edit the values after applying a template?</summary>

Yes. Every field a template fills is fully editable. Templates set starting values — adjust anything to match the client's actual situation before saving.

</details>

<details>

<summary>Can I apply multiple property templates to the same strategy?</summary>

Yes. In the Template Builder, you can add as many property templates as you need. Each one creates a separate property in the strategy.

</details>

<details>

<summary>Do templates include events on the property timeline?</summary>

No. Templates pre-fill property details, loan structure, and assumptions, but don't add timeline events (refinances, sales, renovations, etc.). Add those manually after the strategy is created.

</details>

<details>

<summary>Can I save my own custom templates?</summary>

Not yet. Custom template creation is planned alongside the Strategy Templates feature. For now, use the pre-built templates as a starting point and adjust the values manually.

</details>


---

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