REAL ESTATE FINANCE
IQSM SmartCore™ global multi-line reserve finance protocols function without traditional local capital market based - funding limitations and automate how current real estate markets - can be re-defined and yield-optimised - on a local and global scale.
- global
- fixed zero rate system
- world leading technology secured ecosystem
IQSM SmartCore™ powers unrivalled - 100% loan to property value - fixed zero interest rate - fixed principal only - multi-line reserve asset optimised mortgage advances with a PO based 40 yr term - fixed - loan service cost of $208 per $100,000 pm.
100% LPV PO loans have a maximum - initial - loan exposure ratio to property and yield-provisioned reserve asset collateral of 25.00%, and a 0.00% exposure by month 120 - irrespective of term and are pre-funded with no upfront or ongoing deposit, interest or funding costs other than local principal repayments.
IQSM SmartCore™ global multi-line reserve powered funding line protocols generate unrivalled new fixed and certain - 3.2:1 loan to credit advance based current and future-state financial returns in lieu of - traditional - interest-rate referenced margins.
New and refinanced PO mortgage loans, secure and generate unrivalled new Pillar 1 (current-state) and Pillar 2 (future-state) capital and yield reserve assets with a marked to market UCIS derived base-line value - 3.2:1 times the refinanced loan value.
IQSM SmartCore™ refinancing services, harmonise loan reset cycles with pre-paid loan repayments eliminating the obligation to make these same payments from client income - increasing accessible net disposable household income, by up to 35% pa.
Loan resets provision unrivalled new reserve asset exchanges whether applied to residential owner-occupied or investor held property with no change, in the PO - balance outstanding from one loan reset cycle to the next, until final mortgage pay-down.
IQSM SmartCore™ multi-line reserve value creation protocols provision unrivalled funding line margins upfront, and optimise forward looking amortisation entitlements, across a diversified multi-sector-indexed global real estate asset investment class.
All multi-line funding service units are unconditionally secured through direct reserve lines to - local - title-chained real estate and collateral reserve assets and outperform - all - centralised and decentralised currency based - funding service - systems.
New refinanced equity line rights are priority credited as future time-line defined principal only mortgage repayments, and any surplus reserve drawing rights may be used to refinance client-eligible auto, student, personal and investment loans and card balances into one simple new mortgage loan secured account.
We refer to all - traditional mortgage loans, covered bond, and securitised pass-through protocols, referenced on this website as pertaining to any, current market - P&I or IO mortgage loan or pool with a fixed or variable - interest rate % set above zero.
This content is provided for your informational purposes only, and should not be relied upon, as local legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or reserve assets are for illustrative purposes only and do not constitute an investment recommendation or an offer to provide investment advisory services. Furthermore, this content is not directed at nor intended for use by any investors or prospective investors, and may not under any circumstances be relied upon, when making any investment decision. Past performance is not indicative of future results. The content speaks only, as of the date indicated. Forward projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials, are subject to change without notice and may differ or be contrary to opinions expressed by your advisors or others.
