SIPP commercial property: buy your business premises through your pension
Stop paying a landlord. Using a SIPP or SSAS, many business owners buy their own commercial premises inside their pension, building a valuable asset and gaining security for the business.
- Own the building your business trades from
- Rent paid to your pension, not a landlord
- Significant tax advantages
Why buy commercial property with a SIPP or SSAS?
Renting your premises means paying someone else's mortgage, and risking an eviction that could uproot your business. Buy the property through your pension instead and the picture changes: your business pays rent to your own pension, the property can grow inside a tax-advantaged wrapper, and no landlord can move you on. We handle pension consolidation, SIPP/SSAS set-up, the commercial mortgage, and coordination with your solicitor from start to finish.
How buying property in a SIPP works with us
Why Positive Advisers for SIPP property
What clients say
“Mark has helped with many financial matters over 15+ years and always finds a great solution; my pension has flourished under his guidance.”
“Honest, sound advice, I feel my investments and pensions are genuinely well looked after.”
“Listened and understood our needs before giving excellent, professional advice to steer the way forward.”
Meet your SIPP property specialist
Terry Roberts specialises in commercial property pensions and has helped numerous business owners secure their premises this way.
SIPP & SSAS commercial property FAQs
Can I really buy my premises with my pension?
Yes, commercial property (not residential) can be held in a SIPP or SSAS. We'll confirm whether it stacks up for you.
Can my pension get a mortgage?
Yes, a SIPP or SSAS can borrow to help fund the purchase (subject to limits). We arrange this for you.
What does it cost?
Free first consultation; advice fees agreed in writing. Ongoing SIPP commercial property administration is £100 per person, per month, reflecting the oversight involved.