SIPP & SSAS
Bridging Finance
When speed is critical, SIPP and SSAS bridging finance delivers completion in days rather than weeks. Whether you are securing an auction lot, breaking a chain, funding refurbishment before refinancing to term debt, or bridging to a longer-term SIPP mortgage — we source competitive short-term pension lending with a defined exit strategy.
Rapid Completion
Completion in as little as 2-4 weeks — critical for auction purchases with 28-day deadlines and time-sensitive acquisitions.
Flexible Terms
6-18 month terms with rolled-up or serviced interest options. Exit to term debt, sale, or refinance.
Up to 50% LTV
Borrow up to 50% of SIPP/SSAS net assets under HMRC rules, with bridging secured against the property.
Clear Exit Strategy
We structure every bridging facility with a defined exit — whether that's refinance to a SIPP term mortgage, property sale, or SSAS loanback.
How SIPP & SSAS Bridging Finance Works
Bridging finance within a pension works in essentially the same way as standard commercial bridging, but within the constraints set by HMRC. Your SIPP or SSAS can borrow up to 50% of its net asset value, the property must be commercial, and the pension trustee must approve the transaction. The key advantage over conventional SIPP term mortgages is speed — bridging lenders can move from application to completion in as little as two to four weeks, making them the only viable option for many time-sensitive deals.
Common use cases include auction purchases, where the standard 28-day completion deadline rules out most term lenders; buying a new commercial property before an existing SIPP asset has been sold; funding a refurbishment or fit-out to increase a property's value and rental income before refinancing onto cheaper long-term debt; and chain-break situations where one party needs to proceed before funds from another transaction have cleared.
Exit strategy is the single most important element of any SIPP bridging facility. Lenders need to see a credible, evidenced route to repayment before they will lend. The most common exits are refinance onto a SIPP commercial mortgage once the property is tenanted and stabilised, or sale of the property within the bridge term. Interest can typically be rolled up and added to the loan balance — so no monthly payments are required from the SIPP fund — or serviced monthly where the pension has sufficient liquidity.
Eligibility Criteria
- Property must be commercial (no residential)
- SIPP/SSAS must have sufficient funds for deposit (minimum 50% of property value)
- Clear exit strategy required (refinance, sale, or alternative repayment)
- Independent RICS valuation required
- SIPP provider must approve the property and the bridging structure
- Minimum loan typically £100,000 (varies by lender)
Important: This content is for information purposes only and does not constitute financial, tax, or legal advice. SIPP and SSAS property investments carry risk — the value of pension investments can go down as well as up. Always consult a qualified financial adviser before making pension investment decisions.
Need Fast SIPP Property Finance?
Complete our short enquiry form and receive indicative bridging terms from specialist pension lenders within 24 hours. No obligation, no fees for initial consultation.
Get Bridging TermsWritten by Matt Lenzie
Founder, SIPP Property Finance
Board advisor to a SIPP business with over £2.9bn assets under advisory. Former banker and corporate finance partner with experience raising over £300m of equity and debt. Matt specialises in structuring SIPP and SSAS commercial property transactions for UK business owners and investors.