SIPP and SSAS commercial property

Using a pension to acquire commercial property can offer tax efficiencies and long-term investment benefits, but it also involves specific legal and regulatory requirements. SIPPs and SSASs can be used to acquire and hold commercial property, but are generally restricted from holding residential assets. It is important to ensure transactions are structured correctly and progress efficiently.

We support clients on transactions involving a wide range of commercial property, including industrial, retail, office, and mixed-use assets.

Understanding SIPP and SSAS property transactions

SIPP and SSAS structures allow pensions to invest in commercial property, either as a standalone acquisition or as part of a wider investment strategy. These transactions often involve multiple parties, including pension providers, lenders, and professional advisers.

We ensure the legal structure aligns with the requirements of the pension scheme while supporting the commercial objectives of the investment.

Acquiring commercial property through a pension

Purchasing property through a SIPP or SSAS requires careful coordination between all parties involved. Additional considerations can include funding arrangements, scheme requirements, and ongoing compliance.

We advise on the acquisition process, ensuring documentation is in place and that the transaction progresses efficiently from instruction through to completion.

Leases and connected party transactions

Where a property is occupied by a business connected to the pension holder, lease arrangements must be structured on commercial terms. These transactions require particular care to ensure compliance with pension regulations.

We advise on lease terms and documentation, ensuring arrangements are properly structured and aligned with regulatory requirements.

Refinancing and ongoing management

Commercial property held within a pension may be refinanced or managed as part of a wider investment strategy. We work with pension providers, lenders, and advisers to support refinancing transactions and any ongoing legal requirements.

Our experience in secured lending and commercial property ensures that both legal and funding considerations are handled efficiently.

Working with you and your advisers

SIPP and SSAS transactions involve coordination between pension providers, financial advisers, lenders, and accountants. We work closely with your wider professional team to ensure all aspects of the transaction are aligned.

By taking a clear and practical approach, we help ensure transactions proceed smoothly and in line with both regulatory and commercial requirements.

Get in touch with our commercial property solicitors

If you are acquiring, managing, or refinancing commercial property through a SIPP or SSAS, our team can provide clear legal advice to support your investment.

Get in touch to speak with our commercial property solicitors.