Hi,
I'm not aware of an html template builder for webpages... except of course an html editor of some sort. In other words someone has to code them.
A wysiwyg type of editor (Frontpage, Dreamweaver, etc...) would allow you to design by site - moving elements around visually while the program codes in the background. That would be the easiest for someone not experienced in html.
There are, however, several sites that offer custom templates - some offer free templates that can be downloaded and some are purchased from catalogs of existing templates.
Do a search on google for "html templates" and you'll see both types.
Maybe someone else knows of an actual "builder" for you.
Daf