SMSF Property Loans Melbourne | Specialist Broker

At Mocha Finance, I have the knowledge and lender relationships to guide you through the process.

2026 rule change: new residential SMSF borrowing has ended - commercial continues

From 10 August 2026, SMSFs can no longer enter new borrowing arrangements (LRBAs) to purchase residential property, under the Treasury Laws Amendment (Tax Reform No. 1) Act 2026. What that means in practice:

Existing SMSF loans are grandfathered - arrangements entered before 10 August 2026 continue as normal.
Refinancing is still permitted - an existing SMSF loan can be reviewed and refinanced, so older arrangements are well worth a look.
Contracts exchanged before 10 August 2026 are protected, even where settlement happens after that date.
Commercial property is unchanged - SMSFs can still borrow to buy "business real property" (offices, warehouses, retail and industrial premises) exactly as before.

If your fund is mid-purchase or you're unsure where you stand, speak with your financial adviser - and I'm happy to walk through the lending side with you both.

How SMSF Property Lending Works

SMSF loans are structured under a Limited Recourse Borrowing Arrangement (LRBA). This means:

The SMSF borrows the funds to purchase the property (not you personally)
The property is held in a bare trust until the loan is fully repaid
The lender's recourse is limited to the asset being purchased - they can't claim other SMSF assets if the loan defaults
Strict rules apply around what type of property can be purchased and how it's used - and from 10 August 2026, new SMSF borrowing is limited to commercial (business real) property

Key Differences from Standard Home Loans

Feature	Standard Home Loan	SMSF Loan
Borrower	Individual	SMSF Trustee
Deposit required	Typically 5-20%	Typically 20-30%
Interest rates	Standard rates	Typically higher
Lender availability	35+ lenders	Limited panel of specialist lenders
Regulatory requirements	Standard	Complex (ATO, ASIC compliance)
Property restrictions	Minimal	New loans: commercial (business real) property only from 10 Aug 2026; can't be lived in by members or related parties

Who Should Consider SMSF Property Lending?

SMSF property lending may be suitable if:

Your SMSF has sufficient funds for the deposit and ongoing loan repayments
You're looking to diversify your super into direct commercial property investment
You're considering business premises - commercial property in super can include premises leased to your own business at market rent, where your advisers confirm it suits your fund
You have a long-term investment horizon (property within super is a long-term strategy)
You've received advice from your financial adviser and/or accountant that it's appropriate for your situation

My Role in SMSF Lending

Navigate lender requirements - I know which lenders offer SMSF loans and their specific criteria
Structure the borrowing - Ensuring the LRBA is set up correctly with the right bare trust arrangements
Coordinate with your advisers - I work alongside your accountant and financial adviser to ensure everything aligns
Refinance existing SMSF loans - grandfathered arrangements can still be refinanced, and older SMSF loans are often worth reviewing
Manage the application - From compliance documentation through to settlement

Important: SMSF lending involves complex regulatory considerations. I strongly recommend seeking independent financial and tax advice before proceeding. Mocha Finance provides lending guidance - not financial planning or tax advice.

Michael Gross is a Credit Representative (546597) of LMG Broker Services Pty Ltd (ACN 632 405 504, Australian Credit Licence 517192).

SMSF Property Lending - Melbourne

How SMSF Property Lending Works

Key Differences from Standard Home Loans

Who Should Consider SMSF Property Lending?

My Role in SMSF Lending

Considering commercial property in your SMSF - or reviewing an existing SMSF loan?