iQSM™ intelligent multi-line reserve protocols fully secure and pre-fund unrivalled new and refinanced local 100% LPV - fixed zero interest rate, fixed principal repayment - PO - home loans with a 40 yr term based service cost of $208 per $100,000 pm.

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- global

- fixed zero rate system

- world leading technology secured ecosystem

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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 60 - irrespective of term and are pre-funded with no upfront or ongoing deposit, interest or client funding costs other than principal repayments.

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IQSM SmartCore™ powers a new diversified real estate yield asset investment class - with residential owner-occupied yield asset generation capabilities that unlock and liquify, unrivalled new property and reserve asset matched gains, as accessible flows radically increasing - short, medium and long-term ROIs.

 

Residential owner-occupied PO loan accounts use automated ongoing virtual risk-free mortgage refinancing resets and have entitlements to localised offset, redraw & cash release options.

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IQSM SmartCore™ optimised - equity line - refinance services  pre-fund and credit, forward fixed set period principal only loan repayments, increasing net disposable household income with fixed PO repayments pre-paid for the full equity line reset term.

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A rolling mortgage refinancing strategy can, subject to the rate of accrual and pass-through, of fixed & certain yield-enhanced perpetual gains (without traditional property capital gains) fund from 1-40 yrs of PO loan principal repayments in advance with the initial PO balance outstanding rolled forward and fixed until the final pay-down subject to yield creation in as little as 10 yrs.