Real estate (Mortgage brokers), Loan to value explained 1.0.0
| Template | Real estate (Mortgage brokers), tpl_f10c6ae64146 |
|---|---|
| Variant | Loan to value explained |
| Version | 1.0.0, the newest: what a channel following this variant draws |
| Shapes | 9x16, 4x5, 1x1, 16x9, 2x3 |
| Length | 13 seconds |
Example video
The 1x1 cut of this version, drawn from its own worked example. Open the video on its own.
What it accepts
What a loan to value means for the rate, as a chat: a buyer's question, the broker's answer and a card with the example's figures, a scale of LTV bands with the example marked, and each band's rate and APR read in turn. Complete on the first frame. The broker types and the last message brings the button. The representative example and the legal line stay at the foot. metaData is never drawn.
| Field | Type | Required | Limit | What it is |
|---|---|---|---|---|
clipData | group | yes | Clip data: Everything drawn in the clip: the section, the date chip, the buyer's question, your answer, the card with the example's figures, the scale and its bands and their rates, your closing message, the call to action, the representative example and the legal line. | |
clipData.section | text | up to 32 characters | Section: A few words under your name in the bar at the top, such as Loan to value explained or Mortgage basics. | |
clipData.asOf | text | yes | up to 48 characters | Rates as of: The date the rates are as of, written as it should be shown, on the date chip over the thread. Required: a rate is only true on its day. |
clipData.question | group | Buyer's question: The question the post answers, as a buyer's message on the end side in your brand colour. Leave it out to start with your answer. | ||
clipData.question.text | text | up to 100 characters | Question: The buyer's words, short as a message is. | |
clipData.question.name | text | up to 32 characters | Who asks: Shown over the question, such as Sam, first-time buyer. Never a real client's name without their consent. | |
clipData.question.time | text | up to 12 characters | Time: The time beside the message, written as it should be shown, such as 09:41. | |
clipData.question.read | boolean | Read tick: Shows a tick beside the time, the question read. | ||
clipData.answer | group | Your answer: Your reply before the card, on the start side beside your presenter's picture, under their name and role. Leave it out to share the card alone. | ||
clipData.answer.text | text | up to 160 characters | Answer: Your words, short as a message is. Never promise a rate: rates depend on the buyer's circumstances. | |
clipData.answer.time | text | up to 12 characters | Time: The time beside your message, such as 09:42. | |
clipData.card | group | yes | Card: The card you share in the thread: its title and the captions over its two columns of figures. | |
clipData.card.title | text | up to 40 characters | Title: The card's title in its header strip, such as Your loan to value. | |
clipData.card.rateLabel | text | up to 16 characters | Rate caption: Over the column of rates, such as Initial rate or Rate. | |
clipData.card.aprLabel | text | yes | up to 20 characters | APR caption: Over the column of APRs, as your market names it: APRC, APR, TAEG, effektiver Jahreszins. Required: a rate is never shown without its APR. |
clipData.example | group | yes | The example: The buyer's example that the pin marks on the scale: the home's value, the loan and the loan to value they make, each as you worked them out. Only the loan to value is needed; nothing is calculated for you. | |
clipData.example.ltv | number | yes | from 0, to 200, 2 decimals | Loan to value: The example's loan to value in percent, such as 80 for 80%. It is marked on the scale and decides which band is shown on the first frame: a band covers up to and including its end. |
clipData.example.homeValue | number | from 0, 2 decimals | Home's value: The example home's value, such as 312500. Shown beside the loan and the loan to value. | |
clipData.example.loan | number | from 0, 2 decimals | Loan: The example loan, such as 250000. | |
clipData.example.currency | text | up to 3 characters | Currency: The three-letter code of the amounts' currency, such as GBP, USD or EUR. Left out, the amounts are shown as plain numbers. | |
clipData.example.homeLabel | text | up to 20 characters | Home caption: Over the home's value, such as Home value. | |
clipData.example.loanLabel | text | up to 20 characters | Loan caption: Over the loan, such as Loan. | |
clipData.example.ltvLabel | text | up to 20 characters | Loan to value caption: Over the loan to value, such as Loan to value or LTV. | |
clipData.example.label | text | up to 20 characters | Example label: A chip on the band that holds the example, such as Your example. | |
clipData.scaleFrom | number | from 0, to 200, 2 decimals | Scale starts at: Where the scale starts, in percent loan to value, such as 50. The first band runs from here to its own end. Left out, it starts at 0. | |
clipData.bands | list | yes | at least 2, up to 5 | Bands: Two to five loan to value bands, lowest first, each read in turn with its rate and its APR side by side at the same size and weight, as the rules for mortgage adverts ask. A band covers up to and including its end; the scale ends where the last band ends. Every rate in a column has the same number of decimals, at least two. |
clipData.bands[] | group | Band | ||
clipData.bands[].label | text | yes | up to 6 characters | Mark under the scale: A few characters under the band on the scale, such as 60% for a band up to 60%. |
clipData.bands[].title | text | yes | up to 28 characters | Band: The band in words, in the reading under the scale, such as Up to 60% LTV. |
clipData.bands[].to | number | yes | from 0, to 200, 2 decimals | Band ends at: Where the band ends, in percent loan to value, such as 60. Bands are ordered by this. |
clipData.bands[].rate | number | yes | from 0, to 100, 3 decimals | Rate: The interest rate for this band, such as 3.99 for 3.99%. Shown exactly as sent, written your channel's way. |
clipData.bands[].apr | number | yes | from 0, to 100, 3 decimals | APR: The annual percentage rate of charge for this band, such as 6.3. Required with every rate. |
clipData.bands[].note | text | up to 40 characters | Note: A short line under the band in the reading, such as Our lowest rates. | |
clipData.closing | text | up to 100 characters | Closing message: Your last message, over the button, such as Want me to check which band you are in? | |
clipData.cta | group | Call to action: The button at the end and the line under it, such as a web address, a handle or a phone number. | ||
clipData.cta.label | text | yes | up to 28 characters | Button: What the button says. |
clipData.cta.detail | text | up to 48 characters | Line under it: An address, a handle, an app, a phone number. | |
clipData.representative | text | yes | up to 320 characters | Representative example: The representative example, as the rules where you advertise ask for it with any rate: the amount borrowed, the term, the rate and for how long, what follows, the monthly payment, the total amount payable and the APR. Shown at the foot of every frame in the strong weight, set smaller rather than cut. Required. |
clipData.legal | text | yes | up to 300 characters | Legal line: Who you are and who regulates you, with your number, and the risk warning your market asks for, such as Your home may be repossessed if you do not keep up repayments on your mortgage. Shown at the foot of every frame, set smaller rather than cut. Required. |
clipData.look | group | Look: How the clip looks and moves. The same six switches in every format (theme, pace, corners, alignment, logo, logo size). Leave any out for the package's default: the brand's colours, standard pace, round corners, text at the start. | ||
clipData.look.theme | enum | brand, light, dark, bold | Theme: Brand: your brand's own colours and background. Light or dark: a page tinted with your brand colour. Bold: your brand colour as the page. | |
clipData.look.pace | enum | calm, standard, punchy | Pace: How things arrive: calm fades, a standard rhythm, or punchy slams and hard cuts. | |
clipData.look.corners | enum | square, soft, round | Corners: The shape of cards, pictures and buttons. | |
clipData.look.align | enum | start, centre | Text alignment: Where the text lines up. | |
clipData.look.logo | enum | auto, free | Logo: The style's own: the logo on a small plate so it reads on any page. As it is: the logo whole, with no plate, frame or crop, for a logo made to stand on the page, such as one with a transparent background. As it is, make sure your logo reads on the page of the theme you choose. | |
clipData.look.logoSize | enum | auto, small, large | Logo size: Standard is the style's own size. Small draws the logo a fifth smaller, with its plate. Large draws it a quarter larger wherever the style has room for it, and at the standard size where it has none. | |
metaData | group | Meta data: Everything about the post that is never drawn in the clip: its title, its description in four lengths, one per kind of platform, and its hashtags. Reelwire adds the brand's description, link and hashtags after it. Left out, the post text is generated from the clip data. | ||
metaData.title | text | up to 100 characters | Title: Used where the platform has a title of its own: Facebook Feed, LinkedIn, Pinterest and YouTube. Up to 100 characters, which every one of them takes. | |
metaData.captionTiny | text | up to 200 characters | Tiny description (Pinterest, Threads, X): Up to 200 characters. The brand's description, link and hashtags follow it within the platform's limit. | |
metaData.captionShort | text | up to 500 characters | Short description (Telegram, Threema, WeChat, WhatsApp): Up to 500 characters. The brand's description, link and hashtags follow it within the platform's limit. | |
metaData.captionMedium | text | up to 1500 characters | Medium description (Discord, Facebook Reels, Instagram, LinkedIn, Signal, Slack, TikTok): Up to 1500 characters. The brand's description, link and hashtags follow it within the platform's limit. | |
metaData.captionLong | text | up to 4000 characters | Long description (Facebook Feed, YouTube): Up to 4000 characters. The brand's description, link and hashtags follow it within the platform's limit. | |
metaData.hashtags | list | up to 15 | Hashtags: Written without the #. Up to 15, which every platform takes. | |
metaData.hashtags[] | text | up to 60 characters | Hashtag |
locales carries other languages: under each language code, the parts of clipData and metaData that differ, laid over the default, so a language with no copy still renders.
A picture is always a file from your media library: media:// followed by its id or its name.
Anything the table does not list is refused, and so is anything over its limit, with a 400
schema_validation error that names the field.
The JSON Schema
{
"type": "object",
"properties": {
"clipData": {
"type": "object",
"properties": {
"section": {
"type": "string",
"maxLength": 32,
"title": "Section",
"description": "A few words under your name in the bar at the top, such as Loan to value explained or Mortgage basics."
},
"asOf": {
"type": "string",
"maxLength": 48,
"title": "Rates as of",
"description": "The date the rates are as of, written as it should be shown, on the date chip over the thread. Required: a rate is only true on its day."
},
"question": {
"type": "object",
"properties": {
"text": {
"type": "string",
"maxLength": 100,
"title": "Question",
"description": "The buyer's words, short as a message is."
},
"name": {
"type": "string",
"maxLength": 32,
"title": "Who asks",
"description": "Shown over the question, such as Sam, first-time buyer. Never a real client's name without their consent."
},
"time": {
"type": "string",
"maxLength": 12,
"title": "Time",
"description": "The time beside the message, written as it should be shown, such as 09:41."
},
"read": {
"type": "boolean",
"title": "Read tick",
"description": "Shows a tick beside the time, the question read."
}
},
"additionalProperties": false,
"title": "Buyer's question",
"description": "The question the post answers, as a buyer's message on the end side in your brand colour. Leave it out to start with your answer."
},
"answer": {
"type": "object",
"properties": {
"text": {
"type": "string",
"maxLength": 160,
"title": "Answer",
"description": "Your words, short as a message is. Never promise a rate: rates depend on the buyer's circumstances."
},
"time": {
"type": "string",
"maxLength": 12,
"title": "Time",
"description": "The time beside your message, such as 09:42."
}
},
"additionalProperties": false,
"title": "Your answer",
"description": "Your reply before the card, on the start side beside your presenter's picture, under their name and role. Leave it out to share the card alone."
},
"card": {
"type": "object",
"properties": {
"title": {
"type": "string",
"maxLength": 40,
"title": "Title",
"description": "The card's title in its header strip, such as Your loan to value."
},
"rateLabel": {
"type": "string",
"maxLength": 16,
"title": "Rate caption",
"description": "Over the column of rates, such as Initial rate or Rate."
},
"aprLabel": {
"type": "string",
"maxLength": 20,
"title": "APR caption",
"description": "Over the column of APRs, as your market names it: APRC, APR, TAEG, effektiver Jahreszins. Required: a rate is never shown without its APR."
}
},
"required": [
"aprLabel"
],
"additionalProperties": false,
"title": "Card",
"description": "The card you share in the thread: its title and the captions over its two columns of figures."
},
"example": {
"type": "object",
"properties": {
"ltv": {
"type": "number",
"minimum": 0,
"maximum": 200,
"title": "Loan to value",
"description": "The example's loan to value in percent, such as 80 for 80%. It is marked on the scale and decides which band is shown on the first frame: a band covers up to and including its end."
},
"homeValue": {
"type": "number",
"minimum": 0,
"title": "Home's value",
"description": "The example home's value, such as 312500. Shown beside the loan and the loan to value."
},
"loan": {
"type": "number",
"minimum": 0,
"title": "Loan",
"description": "The example loan, such as 250000."
},
"currency": {
"type": "string",
"maxLength": 3,
"title": "Currency",
"description": "The three-letter code of the amounts' currency, such as GBP, USD or EUR. Left out, the amounts are shown as plain numbers."
},
"homeLabel": {
"type": "string",
"maxLength": 20,
"title": "Home caption",
"description": "Over the home's value, such as Home value."
},
"loanLabel": {
"type": "string",
"maxLength": 20,
"title": "Loan caption",
"description": "Over the loan, such as Loan."
},
"ltvLabel": {
"type": "string",
"maxLength": 20,
"title": "Loan to value caption",
"description": "Over the loan to value, such as Loan to value or LTV."
},
"label": {
"type": "string",
"maxLength": 20,
"title": "Example label",
"description": "A chip on the band that holds the example, such as Your example."
}
},
"required": [
"ltv"
],
"additionalProperties": false,
"title": "The example",
"description": "The buyer's example that the pin marks on the scale: the home's value, the loan and the loan to value they make, each as you worked them out. Only the loan to value is needed; nothing is calculated for you."
},
"scaleFrom": {
"type": "number",
"minimum": 0,
"maximum": 200,
"title": "Scale starts at",
"description": "Where the scale starts, in percent loan to value, such as 50. The first band runs from here to its own end. Left out, it starts at 0."
},
"bands": {
"type": "array",
"items": {
"type": "object",
"properties": {
"label": {
"type": "string",
"maxLength": 6,
"title": "Mark under the scale",
"description": "A few characters under the band on the scale, such as 60% for a band up to 60%."
},
"title": {
"type": "string",
"maxLength": 28,
"title": "Band",
"description": "The band in words, in the reading under the scale, such as Up to 60% LTV."
},
"to": {
"type": "number",
"minimum": 0,
"maximum": 200,
"title": "Band ends at",
"description": "Where the band ends, in percent loan to value, such as 60. Bands are ordered by this."
},
"rate": {
"type": "number",
"minimum": 0,
"maximum": 100,
"title": "Rate",
"description": "The interest rate for this band, such as 3.99 for 3.99%. Shown exactly as sent, written your channel's way."
},
"apr": {
"type": "number",
"minimum": 0,
"maximum": 100,
"title": "APR",
"description": "The annual percentage rate of charge for this band, such as 6.3. Required with every rate."
},
"note": {
"type": "string",
"maxLength": 40,
"title": "Note",
"description": "A short line under the band in the reading, such as Our lowest rates."
}
},
"required": [
"label",
"title",
"to",
"rate",
"apr"
],
"additionalProperties": false,
"title": "Band"
},
"minItems": 2,
"maxItems": 5,
"title": "Bands",
"description": "Two to five loan to value bands, lowest first, each read in turn with its rate and its APR side by side at the same size and weight, as the rules for mortgage adverts ask. A band covers up to and including its end; the scale ends where the last band ends. Every rate in a column has the same number of decimals, at least two."
},
"closing": {
"type": "string",
"maxLength": 100,
"title": "Closing message",
"description": "Your last message, over the button, such as Want me to check which band you are in?"
},
"cta": {
"type": "object",
"properties": {
"label": {
"type": "string",
"maxLength": 28,
"title": "Button",
"description": "What the button says."
},
"detail": {
"type": "string",
"maxLength": 48,
"title": "Line under it",
"description": "An address, a handle, an app, a phone number."
}
},
"required": [
"label"
],
"additionalProperties": false,
"title": "Call to action",
"description": "The button at the end and the line under it, such as a web address, a handle or a phone number."
},
"representative": {
"type": "string",
"maxLength": 320,
"title": "Representative example",
"description": "The representative example, as the rules where you advertise ask for it with any rate: the amount borrowed, the term, the rate and for how long, what follows, the monthly payment, the total amount payable and the APR. Shown at the foot of every frame in the strong weight, set smaller rather than cut. Required."
},
"legal": {
"type": "string",
"maxLength": 300,
"title": "Legal line",
"description": "Who you are and who regulates you, with your number, and the risk warning your market asks for, such as Your home may be repossessed if you do not keep up repayments on your mortgage. Shown at the foot of every frame, set smaller rather than cut. Required."
},
"look": {
"type": "object",
"properties": {
"theme": {
"type": "string",
"enum": [
"brand",
"light",
"dark",
"bold"
],
"title": "Theme",
"description": "Brand: your brand's own colours and background. Light or dark: a page tinted with your brand colour. Bold: your brand colour as the page.",
"enumNames": [
"Brand colours",
"Light",
"Dark",
"Bold brand colour"
]
},
"pace": {
"type": "string",
"enum": [
"calm",
"standard",
"punchy"
],
"title": "Pace",
"description": "How things arrive: calm fades, a standard rhythm, or punchy slams and hard cuts.",
"enumNames": [
"Calm",
"Standard",
"Punchy"
]
},
"corners": {
"type": "string",
"enum": [
"square",
"soft",
"round"
],
"title": "Corners",
"description": "The shape of cards, pictures and buttons.",
"enumNames": [
"Square",
"Softly rounded",
"Round"
]
},
"align": {
"type": "string",
"enum": [
"start",
"centre"
],
"title": "Text alignment",
"description": "Where the text lines up.",
"enumNames": [
"At the start of the line",
"Centred"
]
},
"logo": {
"type": "string",
"enum": [
"auto",
"free"
],
"title": "Logo",
"description": "The style's own: the logo on a small plate so it reads on any page. As it is: the logo whole, with no plate, frame or crop, for a logo made to stand on the page, such as one with a transparent background. As it is, make sure your logo reads on the page of the theme you choose.",
"enumNames": [
"The style's own",
"As it is, no plate or crop"
]
},
"logoSize": {
"type": "string",
"enum": [
"auto",
"small",
"large"
],
"title": "Logo size",
"description": "Standard is the style's own size. Small draws the logo a fifth smaller, with its plate. Large draws it a quarter larger wherever the style has room for it, and at the standard size where it has none.",
"enumNames": [
"Standard",
"Small",
"Large"
]
}
},
"additionalProperties": false,
"title": "Look",
"description": "How the clip looks and moves. The same six switches in every format (theme, pace, corners, alignment, logo, logo size). Leave any out for the package's default: the brand's colours, standard pace, round corners, text at the start."
}
},
"required": [
"asOf",
"card",
"example",
"bands",
"representative",
"legal"
],
"additionalProperties": false,
"title": "Clip data",
"description": "Everything drawn in the clip: the section, the date chip, the buyer's question, your answer, the card with the example's figures, the scale and its bands and their rates, your closing message, the call to action, the representative example and the legal line."
},
"metaData": {
"type": "object",
"properties": {
"title": {
"type": "string",
"maxLength": 100,
"title": "Title",
"description": "Used where the platform has a title of its own: Facebook Feed, LinkedIn, Pinterest and YouTube. Up to 100 characters, which every one of them takes."
},
"captionTiny": {
"type": "string",
"maxLength": 200,
"title": "Tiny description (Pinterest, Threads, X)",
"description": "Up to 200 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"captionShort": {
"type": "string",
"maxLength": 500,
"title": "Short description (Telegram, Threema, WeChat, WhatsApp)",
"description": "Up to 500 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"captionMedium": {
"type": "string",
"maxLength": 1500,
"title": "Medium description (Discord, Facebook Reels, Instagram, LinkedIn, Signal, Slack, TikTok)",
"description": "Up to 1500 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"captionLong": {
"type": "string",
"maxLength": 4000,
"title": "Long description (Facebook Feed, YouTube)",
"description": "Up to 4000 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"hashtags": {
"type": "array",
"items": {
"type": "string",
"maxLength": 60,
"title": "Hashtag"
},
"maxItems": 15,
"title": "Hashtags",
"description": "Written without the #. Up to 15, which every platform takes."
}
},
"additionalProperties": false,
"title": "Meta data",
"description": "Everything about the post that is never drawn in the clip: its title, its description in four lengths, one per kind of platform, and its hashtags. Reelwire adds the brand's description, link and hashtags after it. Left out, the post text is generated from the clip data."
},
"locales": {
"type": "object",
"additionalProperties": {
"type": "object",
"properties": {
"clipData": {
"type": "object",
"properties": {
"section": {
"type": "string",
"maxLength": 32,
"title": "Section",
"description": "A few words under your name in the bar at the top, such as Loan to value explained or Mortgage basics."
},
"asOf": {
"type": "string",
"maxLength": 48,
"title": "Rates as of",
"description": "The date the rates are as of, written as it should be shown, on the date chip over the thread. Required: a rate is only true on its day."
},
"question": {
"type": "object",
"properties": {
"text": {
"type": "string",
"maxLength": 100,
"title": "Question",
"description": "The buyer's words, short as a message is."
},
"name": {
"type": "string",
"maxLength": 32,
"title": "Who asks",
"description": "Shown over the question, such as Sam, first-time buyer. Never a real client's name without their consent."
},
"time": {
"type": "string",
"maxLength": 12,
"title": "Time",
"description": "The time beside the message, written as it should be shown, such as 09:41."
},
"read": {
"type": "boolean",
"title": "Read tick",
"description": "Shows a tick beside the time, the question read."
}
},
"additionalProperties": false,
"title": "Buyer's question",
"description": "The question the post answers, as a buyer's message on the end side in your brand colour. Leave it out to start with your answer."
},
"answer": {
"type": "object",
"properties": {
"text": {
"type": "string",
"maxLength": 160,
"title": "Answer",
"description": "Your words, short as a message is. Never promise a rate: rates depend on the buyer's circumstances."
},
"time": {
"type": "string",
"maxLength": 12,
"title": "Time",
"description": "The time beside your message, such as 09:42."
}
},
"additionalProperties": false,
"title": "Your answer",
"description": "Your reply before the card, on the start side beside your presenter's picture, under their name and role. Leave it out to share the card alone."
},
"card": {
"type": "object",
"properties": {
"title": {
"type": "string",
"maxLength": 40,
"title": "Title",
"description": "The card's title in its header strip, such as Your loan to value."
},
"rateLabel": {
"type": "string",
"maxLength": 16,
"title": "Rate caption",
"description": "Over the column of rates, such as Initial rate or Rate."
},
"aprLabel": {
"type": "string",
"maxLength": 20,
"title": "APR caption",
"description": "Over the column of APRs, as your market names it: APRC, APR, TAEG, effektiver Jahreszins. Required: a rate is never shown without its APR."
}
},
"additionalProperties": false,
"title": "Card",
"description": "The card you share in the thread: its title and the captions over its two columns of figures."
},
"example": {
"type": "object",
"properties": {
"ltv": {
"type": "number",
"minimum": 0,
"maximum": 200,
"title": "Loan to value",
"description": "The example's loan to value in percent, such as 80 for 80%. It is marked on the scale and decides which band is shown on the first frame: a band covers up to and including its end."
},
"homeValue": {
"type": "number",
"minimum": 0,
"title": "Home's value",
"description": "The example home's value, such as 312500. Shown beside the loan and the loan to value."
},
"loan": {
"type": "number",
"minimum": 0,
"title": "Loan",
"description": "The example loan, such as 250000."
},
"currency": {
"type": "string",
"maxLength": 3,
"title": "Currency",
"description": "The three-letter code of the amounts' currency, such as GBP, USD or EUR. Left out, the amounts are shown as plain numbers."
},
"homeLabel": {
"type": "string",
"maxLength": 20,
"title": "Home caption",
"description": "Over the home's value, such as Home value."
},
"loanLabel": {
"type": "string",
"maxLength": 20,
"title": "Loan caption",
"description": "Over the loan, such as Loan."
},
"ltvLabel": {
"type": "string",
"maxLength": 20,
"title": "Loan to value caption",
"description": "Over the loan to value, such as Loan to value or LTV."
},
"label": {
"type": "string",
"maxLength": 20,
"title": "Example label",
"description": "A chip on the band that holds the example, such as Your example."
}
},
"additionalProperties": false,
"title": "The example",
"description": "The buyer's example that the pin marks on the scale: the home's value, the loan and the loan to value they make, each as you worked them out. Only the loan to value is needed; nothing is calculated for you."
},
"scaleFrom": {
"type": "number",
"minimum": 0,
"maximum": 200,
"title": "Scale starts at",
"description": "Where the scale starts, in percent loan to value, such as 50. The first band runs from here to its own end. Left out, it starts at 0."
},
"bands": {
"type": "array",
"items": {
"type": "object",
"properties": {
"label": {
"type": "string",
"maxLength": 6,
"title": "Mark under the scale",
"description": "A few characters under the band on the scale, such as 60% for a band up to 60%."
},
"title": {
"type": "string",
"maxLength": 28,
"title": "Band",
"description": "The band in words, in the reading under the scale, such as Up to 60% LTV."
},
"to": {
"type": "number",
"minimum": 0,
"maximum": 200,
"title": "Band ends at",
"description": "Where the band ends, in percent loan to value, such as 60. Bands are ordered by this."
},
"rate": {
"type": "number",
"minimum": 0,
"maximum": 100,
"title": "Rate",
"description": "The interest rate for this band, such as 3.99 for 3.99%. Shown exactly as sent, written your channel's way."
},
"apr": {
"type": "number",
"minimum": 0,
"maximum": 100,
"title": "APR",
"description": "The annual percentage rate of charge for this band, such as 6.3. Required with every rate."
},
"note": {
"type": "string",
"maxLength": 40,
"title": "Note",
"description": "A short line under the band in the reading, such as Our lowest rates."
}
},
"required": [
"label",
"title",
"to",
"rate",
"apr"
],
"additionalProperties": false,
"title": "Band"
},
"minItems": 2,
"maxItems": 5,
"title": "Bands",
"description": "Two to five loan to value bands, lowest first, each read in turn with its rate and its APR side by side at the same size and weight, as the rules for mortgage adverts ask. A band covers up to and including its end; the scale ends where the last band ends. Every rate in a column has the same number of decimals, at least two."
},
"closing": {
"type": "string",
"maxLength": 100,
"title": "Closing message",
"description": "Your last message, over the button, such as Want me to check which band you are in?"
},
"cta": {
"type": "object",
"properties": {
"label": {
"type": "string",
"maxLength": 28,
"title": "Button",
"description": "What the button says."
},
"detail": {
"type": "string",
"maxLength": 48,
"title": "Line under it",
"description": "An address, a handle, an app, a phone number."
}
},
"additionalProperties": false,
"title": "Call to action",
"description": "The button at the end and the line under it, such as a web address, a handle or a phone number."
},
"representative": {
"type": "string",
"maxLength": 320,
"title": "Representative example",
"description": "The representative example, as the rules where you advertise ask for it with any rate: the amount borrowed, the term, the rate and for how long, what follows, the monthly payment, the total amount payable and the APR. Shown at the foot of every frame in the strong weight, set smaller rather than cut. Required."
},
"legal": {
"type": "string",
"maxLength": 300,
"title": "Legal line",
"description": "Who you are and who regulates you, with your number, and the risk warning your market asks for, such as Your home may be repossessed if you do not keep up repayments on your mortgage. Shown at the foot of every frame, set smaller rather than cut. Required."
},
"look": {
"type": "object",
"properties": {
"theme": {
"type": "string",
"enum": [
"brand",
"light",
"dark",
"bold"
],
"title": "Theme",
"description": "Brand: your brand's own colours and background. Light or dark: a page tinted with your brand colour. Bold: your brand colour as the page.",
"enumNames": [
"Brand colours",
"Light",
"Dark",
"Bold brand colour"
]
},
"pace": {
"type": "string",
"enum": [
"calm",
"standard",
"punchy"
],
"title": "Pace",
"description": "How things arrive: calm fades, a standard rhythm, or punchy slams and hard cuts.",
"enumNames": [
"Calm",
"Standard",
"Punchy"
]
},
"corners": {
"type": "string",
"enum": [
"square",
"soft",
"round"
],
"title": "Corners",
"description": "The shape of cards, pictures and buttons.",
"enumNames": [
"Square",
"Softly rounded",
"Round"
]
},
"align": {
"type": "string",
"enum": [
"start",
"centre"
],
"title": "Text alignment",
"description": "Where the text lines up.",
"enumNames": [
"At the start of the line",
"Centred"
]
},
"logo": {
"type": "string",
"enum": [
"auto",
"free"
],
"title": "Logo",
"description": "The style's own: the logo on a small plate so it reads on any page. As it is: the logo whole, with no plate, frame or crop, for a logo made to stand on the page, such as one with a transparent background. As it is, make sure your logo reads on the page of the theme you choose.",
"enumNames": [
"The style's own",
"As it is, no plate or crop"
]
},
"logoSize": {
"type": "string",
"enum": [
"auto",
"small",
"large"
],
"title": "Logo size",
"description": "Standard is the style's own size. Small draws the logo a fifth smaller, with its plate. Large draws it a quarter larger wherever the style has room for it, and at the standard size where it has none.",
"enumNames": [
"Standard",
"Small",
"Large"
]
}
},
"additionalProperties": false,
"title": "Look",
"description": "How the clip looks and moves. The same six switches in every format (theme, pace, corners, alignment, logo, logo size). Leave any out for the package's default: the brand's colours, standard pace, round corners, text at the start."
}
},
"additionalProperties": false,
"title": "Clip data",
"description": "Everything drawn in the clip: the section, the date chip, the buyer's question, your answer, the card with the example's figures, the scale and its bands and their rates, your closing message, the call to action, the representative example and the legal line."
},
"metaData": {
"type": "object",
"properties": {
"title": {
"type": "string",
"maxLength": 100,
"title": "Title",
"description": "Used where the platform has a title of its own: Facebook Feed, LinkedIn, Pinterest and YouTube. Up to 100 characters, which every one of them takes."
},
"captionTiny": {
"type": "string",
"maxLength": 200,
"title": "Tiny description (Pinterest, Threads, X)",
"description": "Up to 200 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"captionShort": {
"type": "string",
"maxLength": 500,
"title": "Short description (Telegram, Threema, WeChat, WhatsApp)",
"description": "Up to 500 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"captionMedium": {
"type": "string",
"maxLength": 1500,
"title": "Medium description (Discord, Facebook Reels, Instagram, LinkedIn, Signal, Slack, TikTok)",
"description": "Up to 1500 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"captionLong": {
"type": "string",
"maxLength": 4000,
"title": "Long description (Facebook Feed, YouTube)",
"description": "Up to 4000 characters. The brand's description, link and hashtags follow it within the platform's limit."
},
"hashtags": {
"type": "array",
"items": {
"type": "string",
"maxLength": 60,
"title": "Hashtag"
},
"maxItems": 15,
"title": "Hashtags",
"description": "Written without the #. Up to 15, which every platform takes."
}
},
"additionalProperties": false,
"title": "Meta data",
"description": "Everything about the post that is never drawn in the clip: its title, its description in four lengths, one per kind of platform, and its hashtags. Reelwire adds the brand's description, link and hashtags after it. Left out, the post text is generated from the clip data."
}
},
"additionalProperties": false
},
"propertyNames": {
"enum": [
"aa",
"ab",
"ae",
"af",
"ak",
"am",
"an",
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"as",
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]
}
}
},
"required": [
"clipData"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}
Ask Reelwire for the same document yourself, without signing in:
curl "http://localhost:4000/v1/formats/template/tpl_f10c6ae64146?variant=Loan%20to%20value%20explained&version=1.0.0"
Delivery JSON
Your own system sends this to one of your streams, POST /v1/stream, and every channel listening to
that stream draws it with its template. data is the document described above; a stream with an
empty field map passes it to the template unchanged. Try it first on POST /v1/stream/validate,
which answers the same without publishing anything. Streams and feeds
explains the rest, including how to map a document of your own shape instead.
{
"streamId": "st_your_stream_id",
"eventId": "01M2SQMKK3G1NVFXV31DCBVB95",
"occurredAt": "2026-09-23T07:00:00Z",
"locale": "en",
"data": {
"clipData": {
"section": "Loan to value explained",
"asOf": "Rates as of 16 October 2026",
"question": {
"name": "Sam, first-time buyer",
"read": true,
"text": "What does loan to value mean, and why does it change my rate?",
"time": "09:41"
},
"answer": {
"text": "It is the loan as a share of the home's value. The bigger your deposit, the smaller the share, and lenders usually price that lower.",
"time": "09:42"
},
"card": {
"title": "Your loan to value",
"aprLabel": "APRC",
"rateLabel": "Initial rate"
},
"example": {
"ltv": 80,
"loan": 250000,
"label": "Your example",
"currency": "GBP",
"ltvLabel": "Loan to value",
"homeLabel": "Home value",
"homeValue": 312500,
"loanLabel": "Loan"
},
"scaleFrom": 50,
"bands": [
{
"to": 60,
"apr": 6.3,
"note": "Lowest rates, fee 999",
"rate": 3.99,
"label": "60%",
"title": "Up to 60% LTV"
},
{
"to": 75,
"apr": 6.6,
"note": "Fee 999",
"rate": 4.19,
"label": "75%",
"title": "Up to 75% LTV"
},
{
"to": 85,
"apr": 6.8,
"note": "Fee 999, free valuation",
"rate": 4.49,
"label": "85%",
"title": "Up to 85% LTV"
},
{
"to": 90,
"apr": 7.1,
"note": "Fee 1,499",
"rate": 4.89,
"label": "90%",
"title": "Up to 90% LTV"
},
{
"to": 95,
"apr": 7.5,
"note": "Fee 1,499, smallest deposit",
"rate": 5.29,
"label": "95%",
"title": "Up to 95% LTV"
}
],
"closing": "Want me to check which band you are in?",
"cta": {
"label": "Book a free call",
"detail": "keystone.example/book or 020 7946 0321"
},
"representative": "Representative example: borrowing 250,000 over 25 years at 4.49% fixed for 5 years, then 7.49% variable for 20 years, 1,386 a month then 1,738; total amount payable 502,500 including fees of 999. Overall cost for comparison 6.8% APRC.",
"legal": "Keystone Mortgages Ltd is authorised and regulated by the Financial Conduct Authority, FRN 123456. Your home may be repossessed if you do not keep up repayments on your mortgage.",
"look": {
"logo": "auto",
"pace": "standard",
"align": "start",
"theme": "brand",
"corners": "round",
"logoSize": "auto"
}
},
"metaData": {
"title": "Loan to value explained: why a bigger deposit lowers your rate",
"captionTiny": "Loan to value, explained: the smaller your loan against the home's value, the lower the rate lenders usually offer. 60% LTV 3.99% (6.3% APRC). Home repossession risk applies.",
"captionShort": "Loan to value is your loan as a share of the home's value, and it changes your rate. Today: up to 60% LTV 3.99% (6.3% APRC), up to 75% 4.19% (6.6% APRC), up to 85% 4.49% (6.8% APRC). Book a free call and we will check which band you are in. Your home may be repossessed if you do not keep up repayments on your mortgage.",
"captionMedium": "What does loan to value mean for your rate? It is your loan as a share of the home's value: a 250,000 loan on a 312,500 home is 80%. Lenders price lower loan to value lower. As of 16 October 2026: up to 60% LTV 3.99% (6.3% APRC), up to 75% 4.19% (6.6% APRC), up to 85% 4.49% (6.8% APRC), up to 90% 4.89% (7.1% APRC). Rates depend on your circumstances: book a free call. Representative example: borrowing 250,000 over 25 years at 4.49% fixed for 5 years, then 7.49% variable; 6.8% APRC. Your home may be repossessed if you do not keep up repayments on your mortgage.",
"captionLong": "What does loan to value mean for your rate? Your loan to value is your loan as a share of the home's value, so a 250,000 loan on a 312,500 home is 80%. Lenders see a smaller share as less risk, and they usually price it lower: as of 16 October 2026 a loan of up to 60% of the value is 3.99% (6.3% APRC), up to 75% is 4.19% (6.6% APRC), up to 85% 4.49% (6.8% APRC), up to 90% 4.89% (7.1% APRC) and up to 95% 5.29% (7.5% APRC). A bigger deposit, or the home's value rising, can move you down a band. Every rate depends on your circumstances and the lender's checks, so book a free call and we will check which band you are in. Representative example: borrowing 250,000 over 25 years at 4.49% fixed for 5 years, then 7.49% variable for 20 years, 1,386 a month then 1,738; total amount payable 502,500 including fees of 999. Overall cost for comparison 6.8% APRC. Keystone Mortgages Ltd is authorised and regulated by the Financial Conduct Authority, FRN 123456. Your home may be repossessed if you do not keep up repayments on your mortgage.",
"hashtags": [
"loantovalue",
"mortgage",
"deposit",
"firsttimebuyer",
"mortgagebroker"
]
}
}
}
The delivery names no version: which build draws it is the channel's choice, the newest of its
variant or the one it is pinned to. eventId is a ULID you make once per event: sending the same
one again changes nothing. occurredAt is when the thing happened, not when you sent it. locale
is the language of the text in data, and data.locales carries other languages beside it.