SIPP & SSAS | Aberdein Considine Legal

Investing in commercial property with a SIPP/SSAS funds

SIPP & SSAS

Our vast experience in this sector means that we are uniquely placed to advise individuals, companies and scheme providers on the intricacies of the process ensuring an efficient and thorough service to all parties involved.

Investing in commercial property with a SIPP gives you:

  • Cash-flow enhancement - if you own the property you trade from why not sell it to your SIPP
  • Tax-free growth in the property value - no Capital Gains Tax liability on the property sale
  • Income Tax free rental income
  • Protection against market volatility - the commercial property market is generally considered less volatile than investing in company shares, but remember investing in a single property could reduce liquidity as property can take longer to sell
  • Tax relief for business users - if you use the premises for your own business, any rent paid is an allowable business expense
  • Potentially, no Inheritance Tax liability - the property doesn't form part of your estate on death

One of the main attractions of a SIPP is that commercial property can be purchased by an individual or even by a group of people. SIPPs allow borrowing of up to 50% of the net value of the existing assets within your plan to assist with a purchase.

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