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
FCA Regulated
Authorised & Regulated
HMRC Compliant
Pension Property Rules
Experience
15+ Years
Arranged
£50M+ Finance
Specialist Pension Property Finance
Whether you're purchasing through a SIPP or SSAS, we connect you with the right lender for your commercial property goals.
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.
SIPP Bridging Finance
Short-term SIPP bridging loans for commercial property acquisitions requiring fast completion. Competitive rates, flexible terms.
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
Frequently Asked Questions
Common questions about SIPP and SSAS commercial property finance.
Get Indicative Terms
Complete our short enquiry form and receive indicative SIPP mortgage terms from our specialist broker within 24 hours.