PERSONALISED FINANCE
IQSM SmartCore™ global reserve exchange lending protocols operate without local market capital funding limitations and will redefine all localised real estate markets worldwide - powering personalised 40 year term - 100% loan to property value, fixed zero interest rate - fixed principal repayment, only - mortgages with a 40 yr loan based service cost, of $208 per $100,000 pm.
- global
- real estate system
- world leading technology secured ecosystem
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 Pillar 1 Value
Local equity release rights, have the capability to - secure and generate the creation of unrivalled Pillar 1 local reserve assets at 3.2:1 the value - of locked, real estate equity. New multi-line yields are automatically credited as time-line defined, principal only mortgage repayments and enable the conversion of client eligible bank and non-bank mortgage, auto, personal loan and credit card balances into one, simple - fully secured credit line.
Investible 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 services were designed for an opportunistic, zero rate funding purpose - 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 some US $297 trillion, about 3 times global GDP, and 10 times US local market based GDP.
Foundation Reserve
Our five year forward pipeline of equity line release returns - is underpinned by an unrivalled initial - global foundation reserve base that compounds in global base money terms - at a math-regulated constant of 10.24:1 YoY. The proprietary funding line mechanism sets us apart - and it enables us, to independently sustain new - fixed and certain levels, of hyper-scaled - capital growth, funding efficiency and profitability, and localised social and economic empowerment for all, removing - all - credit and mortgage interest-rate risk exposures - for fixed forward terms.
Multi-Line Secured
Multi-line reserve 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.
Loan resets provision new equity line powered - 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. The 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.
Virtual Risk Free
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.
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.
Forward Amortisation
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.
