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Commercial Property

A Legacy For Future Generations

Commercial Property


Using your SSAS or SIPP to invest in commercial property is a popular choice for business owners and individuals.

Suitable purchases include (but are not limited to) offices, industrial units, shops, warehouses and land. Residential property is not suitable for a pension scheme.

There are several advantages to using your pension scheme to invest in property:


    • No income tax on rents.

    • No capital gains tax on sales.

    • No inheritance tax.


    • Purchase property you own privately, thereby raising funds for you or your business whilst retaining control of the property through your pension scheme.

    • Purchase property from a third party or at auction.


    • If you purchase your business premises, you pay rent to your pension scheme, thereby funding your own retirement!

    • Property held in your pension scheme is protected from creditors in the event of insolvency.


    • Your pension scheme can raise borrowings from any party (whether a bank, your business or you personally) to assist with funding investment in commercial property, subject to regulatory limits.

  • VAT

    • Your pension scheme can register for VAT.

We recommend you seek independent financial advice to decide if using your pension scheme to purchase commercial property is suitable for you.

If you are interested in using your pension scheme to purchase commercial property, please contact us.

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