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Commercial Investment

Straightforward solutions to make your pension savings work even harder

As a business owner or experienced investor buying your own trading premises or a commercial investment property via your pension fund can be a tax efficient way in which to borrow. This straightforward and simple solution also offers you the opportunity to preserve capital that you may want to use for other projects.

Lending criteria

Maximum 70% LTV based on market value
Up to £15m borrowings per customer with no restriction on property numbers
Secured by way of a first legal charge on a property located in England, Scotland or Wales
Experienced property investors or owner occupiers
Terms from 12 months to 25 years
Pension Administrator to confirm that the scheme’s borrowing is within the current HMRC guidelines.
Interest only available up to 10 years
Borrowers must be in an approved HMRC pension scheme (e.g. SIPP/SSAS)

Key features

Purchase of trading premises for established businesses
Equity release purposes allowed as well as purchase and refinance
Monthly or quarterly repayment options
Interest only options available
Long term committed loans, up to 25 years

Key Features

Purchase of trading premises for established businesses
Equity release purposes allowed as well as purchase and refinance
Monthly or quarterly repayment options
Interest only options available
Long term committed loans, up to 25 years

Why choose us?

At Cambridge & Counties Bank we know that not all commercial property deals are the same and rarely do they fit into distinct credit criteria. We also appreciate that pension fund lending has its own unique set of challenges. Because of this, our experienced front line and manual underwriting teams work closely to make sure we structure the ideal loan for your requirements. Everything we do is underpinned by our personal service that is truly first class.

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