Commercial property


Self Invested Personal Pensions

Commercial Property in a Self Invested Personal Pension

As a business owner, you will be working hard to grow and protect your business – and you will no doubt place equal importance in protecting and investing your money for your future.

Brethertons can offer you a solution for moving commercial property into a Self Invested Personal Pension (SIPP).

Existing pensions 

You may have an existing pension held in various investments such as stocks and shares, and you may wish to consider looking to diversify your portfolio. 

It may be that you have not yet considered investing in commercial property. You can potentially use your existing pensions to achieve this.

How does it work?

Over the years a number of our clients have done this using a SIPP. Under the umbrella of the SIPP, our clients have used existing or new funds, and sometimes bank lending, to buy a business or commercial property from which their trading company already operates, or may operate from in the future, with their rental income going into their SIPP.

This can have significant tax advantages for both the company and the pension holder. 

Sometimes additional commercial property is bought on a pure investment basis in a SIPP and then let on a commercial lease to a third party tenant with the rent being paid into the SIPP.

How do I take advantage?

We will guide you through the process, step by step:

  1. Your commercial property will need to be valued. We know specialist surveyors who can undertake a thorough investigation to provide you with an accurate current valuation. 
  2. You need to take financial advice to ensure the best outcome is generated for your personal needs. We can work with your current IFA, or introduce you to a panel with whom we work with regularly. They will undertake a comprehensive review of your existing pension arrangements and source the most suitable pension provider for your commercial purchase, liaising with them for the transfer of existing pensions and the purchase of the property.
  3. Once the valuation is complete, a Brethertons’ commercial property solicitor will draw up the necessary legal documents for you to review and sign.


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