Planning for your future

Property, pensions and tax benefits. An appealing combination, but a complex and heavily regulated area of law which calls for specialist advice.

Buying property via a pension

Purchasing property through a pension scheme can make great financial sense. It can release equity from a company’s business premises and boost the value of a pension fund.

There are two main mechanisms of buying a property through a pension, which are:

  • Self-Invested Personal Pension (SIPP) schemes; and
  • Small Self-Administered Schemes (SSAS).

Through SSASs and SIPPs, individuals can buy commercial property either to use as business premises or as part of an investment portfolio. An owner of freehold business premises can sell the freehold to their pension fund, making money by leasing the property back to the company.

The main benefits to be gained are in tax savings. Investments don’t attract Capital Gains Tax, for example, and tax relief will apply to most contributions.

How our solicitors can help

Our solicitors are experts on the laws relating to commercial property, and also on the associated tax implications and the Inland Revenue framework.

When it comes to pensions and property, our team has extensive experience in advising individuals, companies and pension providers on the intricacies of SIPPs and SSASs.

Our solicitors work with clients to design the best, most tax beneficial, arrangements for them. They deal with the purchasing, leasing and selling of property, helping design and administer a bespoke strategy to underpin the investment.

When it comes to realising the property investment, our team works efficiently to handle the disposals, capturing the best possible deal for our clients.

For further information in relation to buying a property through a pension fund scheme, please contact our specialist commercial property solicitors in Derby, Leicester and Nottingham via our online form or call 0800 024 1976.

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For advice and support 0800 024 1976