Absolutely and with the right legal support, Commercial Property can be a smart way to invest in your future.
Pension property purchases are becoming more common, especially through Self Invested Personal Pensions (SIPPs) and Small Self Administered Schemes (SSASs).
However, you need to get early legal advice so you are clear on what your pension can and can’t buy.
SIPP/SSAS schemes can typically purchase:
• Offices
• Warehouses
• Industrial units
• Shops
Residential property is not usually permitted, unless it qualifies as a mixed use site. But the legal process is more complex than a standard commercial purchase. It involves specialist regulations, additional due diligence and coordination between multiple advisers. Getting it wrong can be costly.
That’s why you need a firm who understands the process inside out and that’s where we come in.
We’ll guide you through the entire process, including:
• Reviewing contracts and titles to ensure the property is suitable and legally compliant.
• Liaising with pension trustees and financial advisers to keep everything aligned.
• Handling lease arrangements, often involving your business leasing from your pension.
• Managing communications with lenders, if borrowing is part of the deal.
• Ensuring all HMRC and Land Registry requirements are met correctly.
We’ll also flag potential issues early, from restrictive covenants, planning issues to VAT queries, so there are no surprises later.
Why choose us?
When you’re making a significant investment like this, you need clear, trusted legal guidance. We’ve supported clients across Wiltshire and Somerset for generations. We know the area, we know the commercial property market and we understand that this isn’t just about commercial property, it’s about protecting your future. It’s essential to get it right.
Thinking about buying commercial property through your pension? It all starts with a conversation. Get in touch with your local FSM office today.