REAL ESTATE FINANCE
IQSM SmartCore™ global multi-line reserve finance protocols function without traditional - bank and non-bank based finance limitations and will redefine how all residential and commercial local real estate markets operate and are financed - worldwide.
- global
- real estate system
- world leading technology secured ecosystem
IQSM SmartCore™ powers unrivalled 20-40 year term - 100% loan to property value - fixed zero interest rate - fixed principal repayment only - purchase and refinance mortgages with a 40 year term fixed PO 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 60 - irrespective of term and are pre-funded with no upfront or ongoing deposit, interest or client funding costs other than principal repayments.
Unlocking & Resetting Capital Value
New and refinanced mortgage loans can secure and generate unrivalled new Pillar 1 and 2 secured capital and yield reserve assets with a capital value of 3.2 times the asset-locked equity.
Reserve Exchange
Loan resets provision new reserve asset based, principal only loan - repayment credits, and eliminate the need for client's to make direct PO loan repayments from property owner income regardless of whether the asset is owner-occupied or investor held. All reserve exchange protocols - are software abstracted and there is no increase or change in the net PO loan balance from one reset cycle to the next until the final PO loan pay-out.
Equity Release Options
New client - real-estate-asset-matched - reserves are credited as prepaid PO mortgage principal repayments in advance and also used to convert all client-eligible auto, personal loan, and credit card balances into one, simple fully secured - credit line.
New Investible Pillar 1&2 Securities
They render all traditional local interest-bearing bank and non-bank mortgage securities and funding systems, uncompetitive.
Global Store of Value
IQSM SmartCore™ equity line release protocols are designed for opportunistic - equity refinancing - purposes and address a global residential and commercial real estate market valued at US $379 trillion, ref Savills UK end 2022. The global net equity line store of value locked-down is estimated at US $297 trillion.
Reserve Creation and Growth
Our five year forward pipeline of equity line release returns - is underpinned by an unrivalled initial - global foundation reserve base that compounds at 10.24:1 YoY and enables us to create and sustain new fixed levels of - hyper-scaled - growth, capital efficiency, profitability and social and economic empowerment.
Risk Adjusted
Zero rate funding processes eliminate - client interest rate risk passed-through from bank and non-bank credit providers, and all dependence on local capital gains. They remove traditional property asset only based, collateral valuation security holding barriers and automate unrivalled new amortisation capabilities.
Sustainable New Business Model
IQSM SmartCore™ creates fixed & certain - multi-line reserve generated yield asset based funding line margins upfront, and powers market localised - virtual-risk-free mortgage loan reset capabilities and the creation of new globally diversified - multi-sector-indexed & localised, RE yield-asset investment classes.
Increased Net Disposable Income
IQSM SmartCore™ intelligent refinancing services harmonise all current and future-state indexed reserve asset gains via an autonomous feedback loop of self-executing loan reset cycles and power a dramatic increase in client net disposable income for residential owner-occupiers and net yield flow for investors.
Accelerated Ownership
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.
The use of traditional, property capital gain equity - in ongoing reset phases can further accelerate - mortgage-free - property ownership but real estate derived capital gains only are purely speculative and can't be accrued, on a fixed and certain basis.
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.
