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SIPP & SSAS Advisors for Pension Property Investments

We specialise in guiding Self-Invested Personal Pension (SIPP) and Small Self‑Administered Scheme (SSAS) trustees through every stage of commercial property transactions.

Our SIPP & SSAS Commercial Property Services

We handle all aspects of transactions involving SIPP/SSAS investments, including:

  • Acquisitions & Disposals – navigating legal frameworks for both buying and exiting properties.
  • Leasing Arrangements – drafting and advising on leases with tenants to safeguard your pension fund interests.
  • Transfers Between Providers – seamless inter‑scheme property transitions with minimal disruption.
  • Mortgages & Refinance – structuring finance solutions including secured lending and mortgage setups.
  • Assignments & Surrenders – handling lease or contract alterations to suit evolving investment strategies.
  • Complex Multi‑stage Deals – co‑ordinating intricate transactions, including simultaneous acquisitions, lease variations, or financing combinations.

Our Experience

Our team frequently collaborates with leading SIPP and SSAS providers, trustees, financial advisers, fund managers, and lenders delivering efficient and tailored solutions.

Frequently Asked Questions

Timeframes vary depending on complexity, third-party responsiveness, and scheme particulars. We provide an estimated timeline at the outset.

Yes, this is often called a “sale and leaseback” arrangement and is a common strategy for freeing up capital. However, it must be conducted at market value and on commercial terms to comply with HMRC rules. Independent valuations and legal support are essential.

Yes. SIPPs and SSASs can usually borrow up to 50% of the net value of the pension fund. We can advise you on the borrowing process, lender requirements, and securing the loan against the property.

Yes. It’s possible for multiple SIPPs, SSASs, or a combination of pension schemes (including different trustees) to jointly purchase and own a commercial property. We regularly advise on setting up appropriate ownership structures and declarations of trust, and joint agreements.

Only commercial properties are eligible. This includes offices, warehouses, industrial units, retail premises, and land. Residential property is not typically allowed unless it qualifies under strict exemptions (e.g. certain care homes or student accommodation under specific conditions).

Rent must be paid at a market rate and on commercial terms. It is received tax-free within the pension scheme and can be a valuable income stream for the fund. We draft compliant leases and liaise with valuers to ensure all arrangements meet HMRC guidelines.

Yes. Properties held in SIPPs/SSASs benefit from various tax reliefs, including no Capital Gains Tax on disposal, and no Income Tax on rental income received within the scheme. We work closely with your tax advisers or accountants to ensure you maximise these benefits.

We can advise on VAT elections and whether opting to tax is appropriate. VAT can add complexity, particularly regarding the pension scheme’s ability to recover VAT on purchase costs. Our team works with your advisers and the pension provider to structure VAT compliance correctly.

Yes. We work collaboratively with all stakeholders involved, including SIPP/SSAS providers, IFAs, lenders, surveyors, and accountants ensuring a joined-up approach to avoid delays or compliance issues.

As early as possible. Involving us at the outset—before an offer is made or finance is arranged—helps avoid pitfalls and ensures your transaction is structured correctly from day one.

Expert Guidance for Your SIPP & SSAS Property Investments

Buying, leasing or refinancing commercial property through a SIPP or SSAS can be a valuable opportunity, but it also brings an extra layer of rules, parties and documentation that needs careful handling. In each case, it helps to have solicitors who understand both the property transaction itself and the framework surrounding pension-held assets.

Cullimore Dutton has been advising clients since 1792, and as an established law firm in Cheshire, we bring a clear, methodical approach to these matters. We know SIPP and SSAS transactions need to work in a way that fits the requirements of trustees, scheme administrators and lenders where relevant. Our role is to keep the process organised, explain issues in plain English, and help you move forward with confidence.

We act as pension property investment solicitors in Wilmslow, Alderley Edge, Prestbury, Bowdon & Hale, and also support clients more widely from our offices in Chester & Knutsford. Because Cullimore Dutton offers legal and financial advice under one roof, we can also provide joined-up support where your property transaction forms part of a wider investment or retirement planning picture, helping reduce unnecessary gaps and giving you a clearer overall view.

Call us on 01244 356789, email us at info@cullimoredutton.co.uk, or complete the contact form on this page, and a member of our team will contact you promptly.

Secure your investment with professional legal support you can trust.