GROUP PLANS
iQSM SmartCore™ intelligent multi-line reserve protocols fully secure purchases & refinancing for owner occupied residential P&I or IO mortgages - with 100% loan to property value (LTV) 40 yr term, fixed zero interest rate, principal only - home loans.
Mortgage secured borrower loan service costs are pre-funded, reset and reduced to zero with no mortgage refinance limit for employees whether in a local SME or a global corporate entity.
Unrivalled
iQSM SmartCore™ global multi-line reserve funded employee plans secure new employee personalised PO home loans and power unrivalled new - loan equity resets and valuation metric options eliminating all need to make 'out-of-pocket' home loan repayments, for rolling fixed 5 yr periods, increasing employee net disposable household income - by an amount equal to, the new PO-40 purchase or refinanced P&I mortgage repayments.
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.
A PO-40 loan-equity home purchase as an alternative - to P&I or IO loans - increases net disposable household income by a sum equal to the full P&I or IO loan cost for the same property.
Employee Net Income Increase by Removing Mortgage Cost
IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system and reduces loan lifetime service costs by 100% - up to a maximum of 8 loan resets, across the PO-40 term, with no increase in the initial balance outstanding
or use of the client's real estate equity accrued with absolutely no employer cost or change in tax band or union award status.
The purchase or refinance process dramatically increases the clients's net disposable income - and level of consumer spend.
The creation of new pre-paid - 5 year - forward mortgage flows eliminates all interest, credit, duration and forex loan risks and dramatically increases local - client - net disposable household or investment income by an amount equal to the original client refinanced P&I or IO mortgage payments - with no direct costs.
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.
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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.
