Property
Our pension arrangements can invest directly into commercial property. We have many years experience in catering for this type of investment, and have a low cost flexible approach. Our clients own over 2,000 commercial property investments via their IPS pension schemes.
By purchasing commercial property with a pension scheme, you benefit from tax savings by paying no UK Capital Gains Tax on the growth in the value of the property, and no income tax on its rental income.
Properties can be purchased as part of a syndicate, where two or more SIPPs jointly make the investment, or can be purchased jointly with the pension scheme member or another party, including a company
Pension schemes can borrow up to 50% of their net value to help fund a property investment. For example, a pension fund of £100,000 can borrow £50,000 to purchase a property for £150,000.
Property can also be purchased overseas, although the legal and tax implications of doing so can mean this is unviable.
As with all property investment, purchasing with a pension scheme can be complex. Please therefore read our Guidelines on Property Purchase and Overseas Property Guidelines carefully before deciding whether to proceed.
If you wish to proceed with a property investment, please complete the following paperwork and return it to your usual point of contact.
