Specialist Commercial Property
SIPP & SSAS Commercial Property
Specialist legal advice for SIPP and SSAS trustees on commercial property purchases within pension structures. We understand pension provider requirements and ensure transactions complete efficiently.
What We Cover
SIPP & SSAS Property Services
SIPP Property Purchases
Acting for SIPP trustees on the acquisition of commercial property within a Self-Invested Personal Pension, including reporting to the pension provider and lender.
SSAS Property Purchases
Advising Small Self-Administered Scheme trustees on commercial property acquisitions, including connected party transactions and HMRC requirements.
Pension Lender Liaison
We are familiar with the requirements of specialist pension lenders and can liaise with them directly to keep transactions on track.
Lease-Back Arrangements
Advising on lease-back arrangements where the pension fund purchases a property and leases it back to the member's business.
Title Investigation & Reporting
Full title investigation and reporting to pension trustees and providers, ensuring all requirements are satisfied before completion.
Post-Completion & Registration
Managing completion, SDLT (where applicable) and Land Registry registration in the name of the pension trustees.
Key Considerations
What You Need to Know
Commercial Property Only
SIPP and SSAS funds can only be used to purchase commercial property — not residential. We ensure the property qualifies before proceeding.
Pension Provider Requirements
Each pension provider has its own requirements. We are familiar with the requirements of major SIPP and SSAS providers and can report to them directly.
Connected Party Rules
SSAS transactions involving connected parties (such as a member's own business) must comply with HMRC's connected party rules. We advise on compliance.
Lease-Back Considerations
Where the property is to be leased back to the member's business, the lease must be on commercial terms at market rent. We draft compliant leases.
Important: SIPP and SSAS property purchases involve complex pension, tax and property law considerations. We work alongside your pension provider, financial adviser and accountant to ensure the transaction is structured correctly.
Get Started
Request a Fee Estimate
Tell us about your SIPP or SSAS property purchase and we will provide a clear, no-obligation estimate.
Prefer to speak with us? Call 01244 757352
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