iQSM SmartCore™  fixed zero interest rate property refinance protocols will disrupt interest-bearing mortgage equity release systems world-wide, changing forever how all local residential and investment property mortgages are secured and financed.

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- global

- fixed zero rate system

- world leading technology secured ecosystem

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IQSM SmartCore™ localised mortgage loan refinancing - and pre-paid principal only PO reset protocols can be repeated on demand automating ongoing - virtual-risk-free loan resets that eliminate - future - principal only repayments, for fixed periods.

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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 and secure increases in net disposable income - up to 35% pa.

 

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 client funding costs other than principal repayments.

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With no principal only repayments required from client income in each refinance and reset process, subject to ongoing index line attributions the PO mortgage balance - can be reduced to zero in as little as 10 years - and can't be matched by interest- based bank or non-bank refinance, or equity release products.

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Local equity refinance lines have the capability to - secure and generate the creation of unrivalled Pillar 1 local 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.​​