IQSM SmartCore™ powers unrivalled - 100% loan to property value - fixed zero interest rate - fixed principal only - multi-line reserve asset optimised mortgage advances with a PO based 40 yr term - fixed - loan 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 120 - irrespective of term and are pre-funded with no upfront or ongoing deposit, interest or funding costs other than local principal repayments.​

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IQSM SmartCore™ intelligent refinancing services, harmonise all current and future-state-derived reserve asset gains, via an autonomous feedback loop, of self-executing loan reset cycles with pre-paid loan repayment resets, eliminating the obligation to make these same payments from client income - effectively increasing accessible net household income, by up to 35% pa.

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IQSM SmartCore™ leverages a global indexed and diversified new real estate - yield asset - investment class, with unrivalled new value creation capabilities that autonomously create new reserve asset lines and rights of use 3.2 times the value of the new PO finance or refinance and deliver new accessible yield flows radically increasing - short, medium and long-term ROIs.

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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.

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Local equity refinance lines have the capability to - secure and generate the creation of unrivalled - Pillar 1 & 2 reserve assets at 3.2:1 the value of all - real estate mortgage & equity release credit line advances. Multi-line rights can be credited as future time-line defined principal only loan repayments and/or enable the refinance of, bank and non-bank mortgage, auto, personal loan & credit card balances into one simple secured credit line.