Purchasing trading premises or a commercial investment property via a pension fund can be a tax efficient way in which to borrow. This straightforward and simple solution offers the opportunity to preserve capital that can be used for other projects.

Key features

trading premises

Purchase of trading premises for established businesses or investment properties

equity release

Equity release for purchase and refinance

No valuation fee

No valuation fee payable until loan is approved


Interest only options available

Lending criteria

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Up to 70% LTV of market value

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Minimum loan £250k in England and Wales

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Minimum loan £500k in Scotland

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Terms from 12 months to 25 years

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The pension fund must be registered in the UK or Crown dependencies

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Only available to experienced property investors or owner occupiers

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Up to £15m borrowings per customer with no restriction on property numbers

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Borrowers must be in an approved HMRC pension scheme (e.g. SIPP/SSAS)

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Secured by way of a first legal charge on a property located in England, Scotland or Wales

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