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SIPPs and Commercial Property Purchase

Retirement advice from ASC Financial Solutions – Milton Keynes, Buckinghamshire


Self Invested Personal Pensions (SIPP’s) are the fastest growing retirement vehicle in the market place. SIPP’s are now a mainstream product in UK investment planning.

Do you have pension funds you are not happy with? Are you looking for the wider investment choice including direct share investment which SIPP’s offer? Are you looking for a way to fund a commercial property purchase? Do you need to talk to someone who can understand your pension problems?

SIPPs are ‘Self Invested Personal Pensions’. Unlike standard products, SIPPs allow you to select the individual investments within your fund, and provide more choice over how and when you take benefits.

A SIPP is a pension plan that you have control over and therefore offers a great amount of flexibility. A SIPP allows you to choose from a number of different investments unlike other personal pension schemes.

The major advantage of a SIPP is that they offer greater flexibility and control as well as increased tax benefits and possible lower costs than most traditional pension plans. Recent changes in legislation mean that SIPPs are no longer solely directed at those on a higher income and can additionally be managed alongside a traditional pension scheme.

Commercial Property Purchase via your Pension

Should you, your partnership or company need or wish to purchase freehold commercial property, it is possible to use funds from a Self Invested Personal Pension. A SIPP can even borrow money with a commercial mortgage to enable it to buy a property worth more that the SIPP value. The maximum allowable borrowings within a SIPP are 50% of the total SIPP fund value.

In this instance, the property is then owned by the pension fund. If the property then grows in value, this growth is free of income or capital gains tax. Furthermore, any rent payable on the property (by you, the company or partnership) to the pension fund can be offset against taxation.

The return on your investment is the rent into the pension scheme and any growth in property value less charges.

Furthermore, because the property is held in a pension, there is no need to pay any tax on rental income, capital gains or any profit generated by a sale. Any income that you draw from your pension whilst retired is taxed.

Several SIPP’s can join together to jointly own a property. A SIPP can also jointly own a property with others, being individuals and/or companies.

If you would like expert advice on this area…

Request an appointment with a Financial Adviser in Buckinghamshire, Bedfordshire or Hertfordshire.

Alternatively, to discuss your circumstances with a qualified adviser now, please contact us today on 01908 260033 or request a call back using the form opposite.

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