SMSF Property Lending — Melbourne

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

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

Key Differences from Standard Home Loans

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 property investment
• 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

Our Role in SMSF Lending

• Navigate lender requirements — We 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 — We work alongside your accountant and financial adviser to ensure everything aligns
• Manage the application — From compliance documentation through to settlement

Important: SMSF lending involves complex regulatory considerations. We 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).