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

house-interest-icon

Interest only options available

Lending criteria

Feature Check mark

Up to 70% LTV of market value

Feature Check mark

Only available to experienced property investors or owner occupiers

Feature Check mark

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

Feature Check mark

Terms from 12 months to 25 years

Feature Check mark

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

Feature Check mark

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

Feature Check mark

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

Our funding solutions

Commercial property

Residential property

Mixed-used property

Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

Call us on:

0116 402 9194

email us at:
Find us at:

Cambridge & Counties Bank
Charnwood Court
5B New Walk
Leicester LE1 6TE

Already a customer?
Take a look at our existing customers FAQs or contact us:

Call us on:
email us at:

The personal information you supply to Cambridge & Counties Bank in this form will be processed in accordance with the Data Protection Act 2018 to help your enquiry. We may share this information with other departments, or law enforcement organisations to improve service delivery or for the prevention of crime and fraud where the law allows this. Further information on how we handle your personal information can be found here.

Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415. Our authorisation can be checked at the Financial Services Register at www.fca.org.uk.

Cambridge & Counties Bank Ltd Registered Office: Charnwood Court, 5b New Walk, Leicester England, LE1 6TE. Registered in England and Wales No. 07972522.

VAT Registration Number GB 208354420.

Contact