IQSM SmartCore™ empowered fixed zero interest rate - fixed principal repayment only, real estate finance services radically  outperform all - interest-bearing property funding systems and unify client credit, deposit & value creation rights - on-demand.

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-  global

-  fixed zero rate system

-  world leading technology secured ecosystem

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IQSM SmartCore™ 40 year term, fixed zero interest rate (PO)  mortgage finance and refinance services reduce - pre-existing mortgage - payments by up to 100%, for rolling 5 year forward periods up to 40 years, dramatically increasing the client's net disposable income (NDI) - and also increasing local consumer spend without increasing the loan balance or accessing equity.

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IQSM SmartCore™ mortgages have a maximum - initial - loan exposure ratio to 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 and no forex exposure, for any GCU aligned 'virtual' mortgage.​​​​​​

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PO-40 mortgages also empower eligible borrowers to leverage their direct property equity to drawdown new funds for property renovation and other approved purposes, and to refinance out on a fixed zero interest rate mortgage extension basis all auto, credit card, education - and business linked (SME) credit lines.

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IQSM SmartCore™ global mortgage funding service protocols unify all, math-regulated profit sharing and wealth creation rights and instantiate a maximum initial 25.00% debt funding to market capitalisation ratio.  They power unprecedented - new social and economic impact benefits - on a local client and community level.