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Buying Property with Your Pension (SIPP)


Pensions are a very tax-efficient method of investing into commercial property.

You may be looking to purchase the building your business trades from, or you are simply looking for a high-yielding investment in bricks and mortar.

A SIPP (Self Invested Pension Plan) or SSAS (Small Self Administered Scheme) has even got the ability to borrow from a bank in order to facilitate the purchase of a property.

By using a pension structure, you will benefit from tax-relief from the contributions being made into the pension and the rental income will be received by the pension free of income tax.  If you sell the property, there is also no Capital Gains Tax to pay.  This represents a significant saving compared to owning the same property in your personal name.

This is a highly complex subject and Bankfield has specialist Independent Financial Advisers who have much expertise in arranging property transactions via pension funds.  We can even negotiate a competitive financing terms with the banks.

Whether you are looking at an immediate purchase, or would like to learn more, please call us on 0116 253 5600 or complete the enquiry form.

A pension is a long-term investment. The investment value may fluctuate and can go down. Your eventual income may depend upon the size of the investment at retirement, future interest rates and tax legislation. Tax treatment is based on individual circumstances and may be subject to change in the future. 

Please note SSAS are regulated by the Pensions Regulator.