Pension Property Investment

We can guide you through the complexities of pension property investment, whether you are an individual dealing with pension property transactions, or a large professional trustee company.

Our SIPP and SSAS property team has a long-established reputation as one of the best firms nationally for pension property work.

We deal with everything from a retail shop, industrial unit or bare land to shopping centres, mixed use developments and farms. Our experienced pension property investment team provides a high level of service and has in-depth knowledge of pension trustee and HM Revenue & Customs requirements to steer you through to completion.

Our pension property investment solicitors have experience of mixed ownership and complex mortgage structures within pension schemes and can act for a number of high street lenders on a dual representation basis.

We also work closely with our corporate team on loan backs and sales or purchases of businesses that include property assets held in pension schemes.

SIPP and SSAS explained

A SIPP is a Self Invested Personal Pension Scheme usually administered by a professional trustee specialising in pension products. As the name suggests, the investor has control over how the funds are invested but the administration of the pension scheme is the responsibility of the professional trustee. A SIPP is a product created for the benefit of a single investor and the individual will normally have minimal obligations in terms of the administration of the scheme.

A SSAS is a Small Self Administered Pension Scheme which can either be managed by an employer or individual independently or via a professional trustee. Any single SSAS can be operated for the benefit of up to twelve members and can interact directly with the business linked to the members, known as the ‘Sponsoring Company’. In contrast to a SIPP, a SSAS can invest funds directly back into the Sponsoring Company via a loan back arrangement. A SSAS will require a higher level of direct involvement from the members and is often geared towards small groups of connected investors with similar investment goals and allows for the ‘pooling’ of cash for investing in various assets, including pension property.

We offer you in-depth expertise and advice around:

  • purchase and mortgage of commercial property into SIPP and SSAS pension schemes
  • sale of commercial property out of SIPP and SSAS pension schemes
  • in specie transfers
  • connected party transactions
  • renewal and new leases to occupational tenants
  • licences
  • pension property development
  • commercial property management
  • joint ownership agreements
  • SSAS loan backs
  • dispute resolution
  • arrears recovery

Why choose Trethowans?

We are the appointed panel solicitors for a number of the largest pension providers in the UK and have over 25 years’ experience in SIPP and SSAS transactions.

We work closely with pension scheme members, financial advisors and property agents and will always make time to understand your desired outcome before advising on the best way to achieve it. We pride ourselves on being approachable, knowledgeable and efficient to ensure we get the deal done.

Our pension property team is also recommended in the Legal 500 2022 UK Guide.

To find out more, contact our expert pension property solicitors today on 0800 2800 421.

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