HOME LOANS
IQSM SmartCore™ powers 100% loan to property value, fixed zero interest rate - fixed principal only (PO) - multi-line reserve asset optimised - new home - purchase loans - with a pre-paid PO-40 - principal offset - loan equity crediting rate of 2.50% pa.
Unrivalled
A PO-40 loan-equity home purchase as an alternative - to P&I or IO loans, or renting - increases net disposable income by a sum equal to P&I - IO - PO or rent costs for the same property.
IQSM SmartCore™ fixed zero rate loans, for residential owner occupied properties 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 any other client out-of-pocket mortgage service costs required.
Intelligent Finance
For a purchase or refinance the - funding - protocol is identical with the client having zero out of pocket - principal only repays to make during the - full - term of the PO-40 principal only loan.
A PO-40 funded purchase, will require no deposit, and a gross income level of about 1/3rd of that necessary to fund the same property value via a - traditional - P&I or IO - bank or non-bank credit provider - in any underlying ecosystem serviced market.
Value Chain Automated - Real Estate Agency Network Effects
If you are wanting to sell your current property and upgrade to a higher value property, with no notional increase in payments you now have the option, to sell and buy - a new property with no selling or buying agency costs at up to 266% greater value with a concurrent - time and cost efficient - settlement process.
A PO-40 home loan, has a fixed principal only repayment cost of $208 per $100,000 borrowed; as opposed, to a P&I 30 year term 5.25% service cost, of $556 per $100,000 - powering the capability to buy a new PO-40 financed home with up to 266% greater purchase value and fixed loan equity and capital gains with the same P&I based qualifying gross income service limit.
Mortgage Loan Repayment Service Cost - is Reduced to Zero
IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by 100% with no absolutely no client out-of-pocket - loan repayments to make for all forward five year loan reset periods (up to a max of 8 resets) across the standard PO 40 year term.
In each reset there is - a new credit applied pm to the principal balance outstanding and no use of local property capital gains.
Clients have the option - to make additional out-of-pocket loan principal repayments at any time - without limit and there is no traditional interest-rate based early repay, or break fee penalty.
IQSM SmartCore™ PO-40 loan equity defined, fixed zero rate new purchase mortgage finance protocols reduce - client loan
lifetime - service costs by 100%. They create and credit - new rolling 5 year forward-looking loan equity reserves matched to new release line pass-throughs with no out-of-pocket principal repayments to make - or any changes to client property equity.
All PO loan accounts have reserve account offset, redraw and new credit line, drawing rights and ongoing term-reset options.
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.
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.
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. Content speaks only, as of the date indicated. Forward projections, estimates, forecasts, targets, prospects & opinions expressed in these materials are subject to change without notice and they may differ or be contrary to opinions expressed by your advisors or others.
