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
Purchase of trading premises for established businesses or investment properties
Equity release for purchase and refinance
No valuation fee payable until loan is approved
Interest only options available
Lending criteria
Up to 70% LTV of market value
Minimum loan £250k in England and Wales
Minimum loan £500k in Scotland
Terms from 12 months to 25 years
The pension fund must be registered in the UK or Crown dependencies
Only available to experienced property investors or owner occupiers
Up to £15m borrowings per customer with no restriction on property numbers
Borrowers must be in an approved HMRC pension scheme (e.g. SIPP/SSAS)
Secured by way of a first legal charge on a property located in England, Scotland or Wales

Get in touch with our experienced property finance team
As a specialist property funder, we pride ourselves on using our expert knowledge and depth of understanding to provide common sense loan structures.
We shape each loan to suit your individual requirements because we know that every business has different needs.
Our funding solutions
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