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Purchasing commercial property through a pension fund is increasingly popular amongst business owners given its tax efficiency.

This can be done through a Small Self Administered Pension Scheme (SSAS) or a Self Invested Personal Pension (SIPP) – the difference between these and a traditional pension being that you have more control of the money and where you invest it.

Benefits of purchasing business premises through a pension:
• you can pick the property you wish to purchase with your pension
• purchase costs are met by the pension
• generous tax reliefs on pension funds to purchase property
• no income tax on the rental income
• no Capital Gains Tax on the eventual sale of the property within the pension
• you can transfer the property into an Approved Retirement Fund at retirement
• borrowing can be used to assist the purchase if available
• the fund can be VAT-registered if required and potentially reclaim VAT
• you can buy property joint with a company or yourself.

Attivo Financial Planning is experienced in helping business owners purchase commercial property through a pension and can review your current pension arrangements to help you organise the pensions to buy property.

To find out more about how we can help you please contact our Client Engagement team on 01242 585440 or clientengagement@attivogroup.co.uk.

  • "I like the fact that as soon as you walk through the door you’re given a great welcome, there’s a fantastic team there and you can see everybody has expert knowledge of their areas of expertise... understanding that my own personal wealth is managed to the level it is at Attivo Financial Planning gives me great reassurance."

    Craig Peterson, Managing Director of Future Advanced Manufacture

  • “We had various financial goals when we met with Attivo Financial Planning. We wanted to buy the unit we ran our engineering business from, and then when we eventually decided to sell the business, we wanted it to be in the most tax-efficient way. We wanted to ensure we had funds left over to give us a level of income in our retirement that we’d become used to while working. Attivo Financial Planning helped us meet our goals. They are a great team of genuine people that just want to help you achieve what you want.”

    Corporate Client