INTEREST FREE HOME LOANS
IQSM GSCI™ powers 100% local loan to property value, fixed zero interest rate - fixed principal only (PO) - multi-line reserve yield optimised - owner-occupied - home loans with a nominal 40 year principal-only mortgage service rate, of just 2.50% pa.
Unrivalled - Yield-Enhanced Valuation Metrics
IQSM GSCI™ local fixed zero rate loans, for residential owner occupied properties have a maximum initial loan exposure - to both property and yield-provisioned, reserve asset collateral of just 25.00% and have 0.00% collateral exposure by month 48,
Programmable New - Yield-Enhanced Residential Asset Class
IQSM GSCI™ local collateral reserve based yield optimisation services fully offset - 100% of mortgage principal service costs and radically enhance, local affordability and valuation metrics, for all owner-occupied residential real estate assets - and can't be matched - by any local interest-bearing funding line system.
Affordable Finance
For a new home purchase or refinance the - funding - protocol is identical, with the borrower having zero out of pocket repays to make during the - full - term of the PO-40 principal only loan.
A PO-40 funded purchase, will require no deposit, and a gross income level of just 1/3rd - of that necessary, to fund the same property value, via a local P&I or IO - bank or non-bank lender.
Mortgage Loan Repayment Service Cost - is Reduced to Zero
IQSM GSCI™ powers a revolutionary new local purchase and mortgage refinancing system that reduces loan lifetime service costs by 100%, with no borrower "out-of-pocket" loan principal repayments to make for rolling five year loan reset periods (up to a maximum of 8 resets), across the standard PO-40 yr term.
Clients have the option - to make additional out-of-pocket loan principal repayments at any time - without limit and there is no traditional interest-rate based early repay, or break fee penalty.
All PO loan accounts have reserve account offset, redraw and new credit line, drawing rights and ongoing term-reset options.
PO-40 mortgages empower local borrowers to drawdown new funds for property renovation & other approved purposes, and refinance out - as fixed zero interest rate mortgage extensions all pre-existing auto, 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.
