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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Unrivalled

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IQSM SmartCore™ mortgages have a maximum - initial - loan exposure to both 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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Unlocking Value

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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.​​​​​​

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Dramatically Reduced Mortgage Costs

 

IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by up to 100% with no absolutely no out-of-pocket - loan repayments to make for rolling five year loan reset periods, up to a maximum of 8 resets - across the standard PO-40 yr term with no change, or increase - in the initial balance outstanding

or use of the client's - pre-existing - real estate equity accrued.​

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Dramatically Increased Net Disposable Income

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The purchase or refinance process dramatically increases the clients's net disposable income - and level of consumer spend.

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The creation of new pre-paid - 5 year - forward mortgage flows eliminates all interest, credit, duration and forex loan risks and dramatically increases local - client - net disposable household or investment income by an amount equal to the original client refinanced P&I or IO mortgage payments - with no direct costs.

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Local Markets - Global Reach - Unlocking Loan Equity Value 

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IQSM SmartCore™ licensed - funding - mandates are purpose designed to create and loan-equity match local-market-defined real estate stores of value, currently 'locked-down' in mortgage lender balance sheets and mortgage-free owner-held property.