INTELLIGENT REAL ESTATE FINANCE
IQSM GSCi™ local multi-line reserve finance services secure unrivalled, 100% loan to local property valuation based - fixed zero interest rate - fixed principal only mortgage products and redefine how all residential owner-occupied mortgages can be yield-service optimised, as a real-yield-asset-investment class.
Unrivalled
IQSM GSCI™ local base money secured - multi-line - reserve protocols have a math-regulated, local market funding service ability to progressively refinance, licensed real estate markets within a fixed 2 year, local market capital allocation timeframe.
IQSM GSCi™ new reserve localised 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% at settlement - and 50.00% in pre-funded loan principal crediting mode - with 0.00% exposure by month 24 - as collateral reserve assets, 3:1 times the initial mortgage amount financed are created & property-value-chain-allocated.
Intelligent by Design
IQSM GSCi™ local collateral reserve based yield-optimisation services fully offset - 100% of mortgage principal service costs and enhance valuation metrics for all real estate asset classes.
The capability to create unrivalled programmable-yield assets optimised for local real estate sector classes differentiates our local sovereign base money denominated, real estate funding products and offset services, across all - local private & public residential, commercial, industrial, and agricultural RE sectors.
Local Real Estate Yield Enhanced Valuation Metrics
PO-40 funding yield is optimised, in line with fixed and certain long-term - principal only, mortgage service costs of the PO40 service offsetting 100% of PO-40 based principal service cost while combining the effects of - cash, fixed income, real estate and equity-like profit share distribution on a local market scale.
IQSM GSCi™ local market sovereign funding services secure local property-value-chain-linked multi-line reserves lock-down regenerative funding service profit and radically outperform all benchmarked banking-industry ROTAs by a min factor of 15:1.
PO funding service fees alone - are earned and distributed on initial settlement, and upfront represent the full equivalence in profits of a 30 yr term NPV discounted, 9.25% - P&I mortgage.
Financial Inclusion - Affordable Housing Finance On-Demand
iQSM GSCi™ local fixed zero interest rate property refinance protocols will disrupt interest-bearing mortgage systems world wide changing forever - how local mortgages are secured and pre-funded and - how multi-line reserve asset based valuation metrics are applied for all local real estate investment classes.
IQSM GSCi™ term based yield compression - enables a new mortgage finance and refinance system that - reduces lifetime service costs by 100% - with no borrower "out-of-pocket" loan principal repayment to make, for continuing loan reset periods.
Increased Net Disposable Household and Investment Income
A PO property purchase or refinance - as an alternative to P&I or IO loans or renting - increases client net disposable income in each and every year of the new PO mortgage loan by a sum equal to the P&I or IO or rent cost pa, for the relevant property.
All PO-40 loan accounts - have reserve account offset, redraw and credit line drawing rights - and ongoing term-reset options.
IQSM GSCi™ licensed local funding mandates - are designed to create, and to loan-equity match - local reserve line defined real estate stores of value currently 'locked-down' in mortgage lender balance sheets and mortgage-free owner-held property.
Sustainable Long Term - Local Market Competitive Advantage
Over the next two years of local operations we will witness the largest wealth control transfer, in human history, as real estate asset control and linked equity holdings, shift from the balance sheets of lenders and securitisation providers, back to owners.
The math-regulated unification of client asset ownership - with programmable real estate asset aligned yields to progressively optimise and power independent new valuation metrics - is the most compelling aspect, of our local reserve mapping services.
PO-40 mortgage rights allow borrowers to drawdown funds for property renovation & other approved purposes, and refinance out as zero interest rate mortgage extensions - all - local client eligible - auto, credit 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.
