INTELLIGENT REAL ESTATE FINANCE
IQSM SmartCore™ licensed funding service mandates secure regenerative funding service rights - without traditional interest rate or deposit limitations and - re-define, how new loan equity value is created - property equity aligned - and offset matched.
Unrivalled
IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by up to 100% with no absolutely no out-of-pocket - loan repayments to make for rolling five year loan reset periods (up to a maximum of 8 resets), across the standard PO-40 yr term with no increase in the loan balance outstanding, or change to
or use of the local client's pre-existing property equity accrued.
Increased Income
IQSM SmartCore™ mortgage refinance services dramatically increase client - local net disposable household or investment income and - localised - consumer spending. With zero direct PO repayment flows - between the local PO-40 borrower, and lender - there is no interest, credit, duration, or forex exposure.
All regenerative purchase and refinance loan options, utilise a fixed PO-40 loan pre-payment offset rate of $208 per 100k pm.
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.
Virtual Risk Free System
IQSM SmartCore™ virtual-risk-free - PO-40 - mortgages have radically reduced operational risk and a maximum - initial loan exposure to both property and yield-provisioned reserve asset collateral of 25.00% with 0.00% exposure by month 120 - and no loan cost, other than 5 yr principal only repay offset credits.
IQSM SmartCore™ global multi-line reserve funding protocols create unrivalled, regenerative title-chain-referenced collateral reserve assets of 3.2 times the line values advanced, in lieu of interest rate margins & outperform all industry profit measures.
Democratisation
The democratisation of both client-directed asset ownership and community rights of use to yield-optimise and release value on a matched local & global high-quality liquid reserve asset basis - is the most compelling aspect of our - multi-line - reserve protocols.
They unify client & community derived value and wealth creation and outperform 2% best-in-class banking ROTA's by a minimum factor of 12.5:1 - on a short, medium and long-term review basis.
Total Value Locked
IQSM SmartCore™ licensed - funding - mandates are purpose designed to create and loan-equity match local-market-defined real estate stores of value, currently 'locked-down' in mortgage lender balance sheets and mortgage-free owner-held property.
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.
