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™ mortgages have a maximum - initial - loan exposure ratio, to property and yield-provisioned reserve asset collateral of 25.00%, and 0.00% exposure by month 120 - with no deposit or loan costs - other than principal only repayments

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PO Refinance Example - $1,000,000

 

A 40 year term - (2.50% POR) - $1,000, 000 fixed zero interest rate - fixed principal only repayment - mortgage loan refinance will reduce a same loan value based 30 year term 5.25% - P&I loan service cost of $66,720 pa to zero for a rolling 5 yr period in principal offset mode eliminating the need to make any loan repayments from the client's after-tax income with 100% of the $66,720 pa saved P&I loan cost, totally released - as client net disposable household income and now available for consumer spending without any increase to the $1,000,000 loan balance or access to the client's - pre-existing - property equity holding.

 

IQSM SmartCore™ global multi-line reserve funding protocols unlock pre-existing stores of value and create unrivalled - new title-chain referenced - collateral reserve - assets and yields at 3.2 times loan value, in lieu of local interest rate margins - and radically outperform all banking industry profitability measures.​​​​​​

 

IQSM SmartCore™ 40 year term, fixed zero interest rate (PO)  mortgage finance services reduce - 30 year 5.25% P&I based loan service costs by 62.5% - and in refinance reset mode will eliminate the need to make any repayments for a rolling 5 year period, dramatically increasing the client's local net disposable household income (NDHI) and also increasing local consumer spend without increasing the loan balance or accessing equity.