iQSM SmartCore™ intelligent multi-line reserve protocols fully secure and pre-fund refinance for owner occupied - residential P&I or IO mortgages with 100% loan to property value (LTPV) 40 year term - fixed zero interest rate, PO principal repayment only, home loans - with local mortgage secured borrower loan service costs being fully pre-funded, reset & reduced - to zero with no mortgage refinance limitation for approved employees whether employed in, a local SME or a global corporate entity.

 

Unrivalled

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iQSM SmartCore™ global multi-line reserve funded employee  plans secure new employee personalised PO home loans and power unrivalled new - loan equity resets and valuation metric options eliminating all need to make 'out-of-pocket' home loan repayments, for rolling fixed 5 yr periods, increasing employee net disposable household income - by an amount equal to, the refinanced interest-rated P&I or IO mortgage loan repayments.

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Eg: PO-40 Refinanced P&I Mortgage Repayments of 40,000 *

 

Gross Pay                              120,000

After Tax                                   90,000​

P&I Mortgage Repayments      40,000

Net Disposable Income            50,000

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NDHI after PO-40 Refinance    90,000

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An 80% after tax increase in net disposable household income 

​equates to a high in-hand pay increase, with no employer cost.

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All PO loan accounts have reserve account offset, redraw and new credit line, drawing rights and ongoing term-reset options.

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iQSM SmartCore™  fixed zero interest rate property refinance protocols will disrupt interest-bearing mortgage equity release systems world-wide, changing forever how all owner-occupied residential real estate mortgages, are secured and pre-funded.​​​​​​​​

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PO-40 mortgages empower local borrowers to drawdown new funds for property renovation & other approved purposes, and refinance out - as fixed zero interest rate mortgage extensions all pre-existing auto, card, education, and personal credit lines.​​​​​​​​

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A PO-40 loan-equity home purchase as an alternative - to P&I or IO loans - increases net disposable household income by a sum equal to the full P&I or IO loan cost for the same property.

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Powering a New Employee Equivalent After Tax Pay Rise

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IQSM SmartCore™ mortgages have a maximum - initial - loan exposure to both property and yield-provisioned reserve asset collateral of 25.00% - and 0.00% exposure by month 120, with no deposit or loan costs - other than principal only repayments​​​

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IQSM SmartCore™ global multi-line reserve funding protocols match pre-existing stores of value, and create unrivalled - new title-chain referenced - collateral reserve - assets and yields at 3.2 times loan value, in lieu of local interest rate margins - that radically outperform all banking industry profitability measures.​​​​​​​

 

IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by up to 100% up to a maximum of 8 resets - across the PO-40 loan, with no increase in the initial balance outstanding

or use of the client's - pre-existing - real estate equity accrued.​

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Increased Net Disposable Income

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The purchase or refinance process dramatically increases the clients's net disposable income - and level of consumer spend.

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The creation of new pre-paid - 5 year - forward mortgage flows eliminates all interest, credit, duration and forex loan risks and dramatically increases local - client - net disposable household or investment income by an amount equal to the original client refinanced P&I or IO mortgage payments - with no direct costs.​

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IQSM SmartCore™ licensed - funding - mandates are purpose designed to create and loan-equity match local-market-defined real estate stores of value, currently 'locked-down' in mortgage lender balance sheets and mortgage-free owner-held property.