INTEREST FREE MORTGAGE 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-optimised and pre-funded, within a new yield-asset class.
Unrivalled - Yield-Enhanced Valuation Metrics
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™ local reserve secured PO-40 mortgages - have radically reduced operational risk and a maximum - initial loan exposure to both property and yield-provisioned reserve asset collateral of just 25.00% - with 0.00% exposure - by month 48, as new collateral reserve assets 3:1 times the initial mortgage amount financed, are created & property-value-chain-secured.
Sustainable Local Short & Long-Term Competitive Advantage
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 programmable yield levels - optimised for specific real estate asset classes dramatically differentiates our local sovereign currency denominated, real estate funding products and offset services, across localised private & public residential, commercial, industrial, and agricultural RE sectors.
PO funding line yield is optimised in line with fixed and certain long-term - principal only, mortgage service costs of the PO40 service eliminating all exposure to local interest-rate reference rates, and offsetting 100% of PO40 loan principal service cost while combining the effects of - cash, fixed income, real estate and equity-like profit share distribution on a local market scale.
No Competition
IQSM GSCi™ local market sovereign funding services secure local property-value-chain-linked, multi-line reserves & aligned excess reserves - and lock-down regenerative funding service fees that alone outperform top 1 percentile local P&I bank and non-bank lending profits eg: JPM - by a minimum factor of 5:1.
PO40 loan origination fees are earned and distributed on initial settlement and within 2 yrs alone represent the equivalence in profits of a NPV discounted, 30 yr term 9.25% - P&I mortgage.
Empowering Affordable Housing Finance - on a Global Scale
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™ local mortgage refinance services, dramatically increase client local net disposable household and investment income, and - localised - consumer spending. With zero direct PO repayment flows - between the local PO-40 borrower, and lender there is no loan interest, servicing cost or FX exposure.
Increased Net Disposable Income After Tax & Mortgage Costs
IQSM GSCI™ term compression enables a revolutionary new mortgage finance and refinance system - that reduces lifetime service costs by 100% - with no borrower "out-of-pocket" loan principal repayments to make for rolling loan reset periods (up to a maximum of 8 resets), across the standard PO-40 yr term.
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-40 mortgage, by a sum equal to the P&I or IO or rent cost pa, for the relevant property.
All new PO 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.
Unlocking and Pre-Funding Current and Forward Loan Equity
Over the next two years we will witness the largest wealth and control transfer, in human history as real estate - asset control & underlying - equity holdings shift from the balance sheets of lenders and third party securitisation providers back to owners.
The global real estate market (current estimate US $400Tn) is the world's largest - and most stable - single investment asset class, with a net store of locked real estate equity value, of US $300Tn that can be independently emulated, and local market released via PO-40 based finance and refinance services only.
The math-regulated unification of client asset ownership - with programmable reserve asset yields to progressively - optimise and release independent new HQLA capital pools, is the most compelling aspect of our unrivalled PO-40 funding line system.
PO-40 mortgage rights allow borrowers to drawdown funds for property renovation & other approved purposes, and refinance out as fixed zero interest rate mortgage extensions 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.
