SSAS / SIPP Pension Fund
SpecialistBorrowing through your pension fund
Advantages
- + Tax-free growth within pension
- + Rent from your business is tax-deductible
- + Assets protected from creditors
- + No capital gains tax on sale
Considerations
- - Commercial property only (not residential)
- - Very limited lender options
- - Pension trustee approval required
- - Must be unconnected from pension member's residence
Documentation Required
SSAS/SIPP documentation
Trustees' resolution to borrow
Pension administrator approval
Confirmation loan within 50% of pension fund value
Legal opinion on pension rules compliance
Lenders Accepting SSAS / SIPP Pension Fund
| Lender | Rate From | Max LTV | Notes |
|---|---|---|---|
| Together | 0.68% /mo | 50% | SSAS and SIPP accepted, commercial only |
| Shawbrook | 0.65% /mo | 50% | SSAS specialists, strict criteria |
| United Trust Bank | 0.65% /mo | 50% | Experienced with pension lending |
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