Commercial Property
Finance Through Your SIPP
Specialist brokers connecting UK SIPP and SSAS trustees with competitive commercial property mortgage rates. Compare lenders, calculate your borrowing power, and get indicative terms in minutes.
Total Arranged
£50M+
SIPP property finance
Average LTV
48%
Within HMRC 50% cap
Completion Time
6-8 Weeks
From application
Client Satisfaction
4.9/5
From 200+ reviews
Specialist Broker
SIPP & SSAS Experts
HMRC Compliant
Pension Property Rules
Experience
15+ Years
Arranged
£50M+ Finance
Specialist Pension Property Finance
Term debt, bridging, development finance, and equity release — we connect SIPP and SSAS trustees with specialist pension property lenders.
SIPP Commercial Mortgage
Purchase commercial property through your SIPP with up to 50% LTV. Fixed and variable rates from specialist pension lenders.
SSAS Property Loan
SSAS loanback and commercial investment loans. Leverage your company pension scheme for property acquisition and development.
Bridging Finance
Short-term SIPP and SSAS bridging loans for auction purchases, chain-break scenarios, and refurbishment projects.
Development Finance
Pension-backed development finance for commercial conversions, refurbishments, and ground-up projects with staged drawdowns.
Equity Release
Remortgage or take a further advance on existing SIPP/SSAS property to release equity for new investments or portfolio growth.
Your SIPP Borrowing Power
SIPPs can borrow up to 50% of the property value. Here's what your pension fund could achieve.
Max Borrowing
£250,000
50% of property value
SIPP Deposit
£250,000
From your pension fund
Remaining Fund
£150,000
Fund sufficient
Buying Power
£800,000
Maximum property value
For illustrative purposes only. Actual borrowing depends on lender criteria, property type, and SIPP provider approval.
How It Works
From first enquiry to completion, we guide you through every step of securing SIPP property finance.
Submit Enquiry
Complete our short enquiry form with your property and pension details. Takes under 2 minutes.
Expert Assessment
Our specialist broker reviews your requirements and identifies the most suitable SIPP lenders.
Lender Matching
We present you with indicative terms from multiple specialist SIPP/SSAS mortgage lenders.
Completion
We manage the full application process through to completion, liaising with your SIPP trustee.
HMRC Permitted Property Types
HMRC strictly regulates which property types can be held within a SIPP. Commercial property is generally permitted; residential is not.
Office Buildings
Standard commercial offices
Industrial Units
Factories, workshops, depots
Retail Premises
Shops, high street, retail parks
Warehouses
Distribution, storage, logistics
Mixed-Use
Commercial with ancillary residential
Residential Property
Not permitted in SIPP (HMRC rules)
Agricultural Land
Generally not permitted in SIPP
Holiday Lets
Classed as residential by HMRC
Based on HMRC guidance RPSM03107030. Rules may change — always confirm with your SIPP provider and seek professional advice.
Recent Case Studies
Real deals we've arranged for SIPP and SSAS trustees.
Industrial Unit Acquisition via SIPP
Completed in 6 weeks
Office Building Purchase for IFA Practice
5.49% rate secured
SSAS-Funded Retail Premises Refinance
Bridging to term loan
Our Specialist Lender Panel
We work with the UK's leading SIPP and SSAS commercial property mortgage lenders to secure you the best terms.
West Bromwich BS
Shawbrook Bank
Redwood Bank
Aldermore
Hampshire Trust
Paragon Bank
Meet the Founder
Matt Lenzie
Matt founded SIPP Property Finance to give pension trustees and their advisers direct access to the specialist commercial mortgage market — without the jargon, delays, or conflicts of interest that too often come with pension property lending.
As a board advisor to a SIPP business managing over £2.9 billion in assets under advisory, Matt understands the regulatory, operational, and investment realities that pension trustees face when acquiring commercial property.
His career spans institutional banking and a partnership in a corporate finance advisory firm, where he was involved in raising over £300 million of equity and debt finance. That depth of capital markets experience means every SIPP Property Finance client benefits from structuring expertise that goes well beyond standard mortgage broking.
£2.9bn+
Assets Under Advisory
Board advisor and consultant to a leading SIPP business
£300m+
Capital Raised
Equity and debt across multiple transactions
Banking
Former Banker
Institutional lending and credit experience
Corporate Finance
Former Partner
Partner in a corporate finance advisory business
Frequently Asked Questions
Common questions about SIPP and SSAS commercial property finance.
Expert Guides & Resources
In-depth guides covering every aspect of SIPP and SSAS property finance — from the basics to advanced tax planning strategies.
What Is a SIPP? A Complete Guide for Property Investors
How SIPPs work, who they suit, and why they're the pension of choice for property investors.
SIPP Mortgage Explained: How Pension Borrowing Works
How SIPP mortgages work, the 50% LTV rule, and what to expect from the lending process.
Tax Benefits of Buying Property Through a SIPP
Tax-free rental income, no CGT, contribution relief and IHT benefits explained.
Can Your Business Rent Property From Your SIPP?
How connected party leasing works, HMRC rules, and the tax advantages for business owners.
SSAS vs SIPP: Which Is Better for Property Investment?
Key differences, loanback rules, and which scheme suits your business structure.
Case Study: Business Owner Buys Their Office Through a SIPP
How James used his SIPP to purchase his £390k office — saving tens of thousands in tax.
Get In Touch
Send a quick message or complete our detailed enquiry form to receive indicative SIPP mortgage terms within 24 hours.
Want to get indicative terms faster? with your property and pension details.