SIPP & SSAS
Equity Release
Unlock capital from commercial property already held in your SIPP or SSAS. Whether you want to fund a new acquisition, diversify your pension portfolio, or release equity for other pension investments, we can help structure a remortgage or further advance.
Release Trapped Capital
Unlock equity from property that has grown in value since purchase, freeing capital for new pension investments.
Up to 50% LTV
Remortgage up to 50% of the current property value under HMRC rules — capital growth since purchase increases your borrowing capacity.
Competitive Rates
Access remortgage rates from our specialist SIPP lender panel. Often more competitive than the original facility.
Portfolio Growth
Use released equity to acquire additional properties, diversify into other asset classes, or fund further pension contributions.
How SIPP & SSAS Equity Release Works
If your SIPP or SSAS holds commercial property that has increased in value since purchase, you may be able to release equity by remortgaging or taking a further advance on the existing facility. Under HMRC rules, a SIPP can borrow up to 50% of its net asset value — so if your property has grown, your borrowing capacity grows with it.
For example, if your SIPP purchased a property for £400,000 with a £200,000 mortgage five years ago, and the property is now valued at £600,000, the SIPP's borrowing capacity has increased. Subject to the 50% LTV limit and the overall fund value, you could potentially release a significant sum back into the pension fund for reinvestment.
The process is similar to a standard remortgage — an independent RICS valuation confirms the current market value, and we approach our lender panel for the best terms. The key difference is that all funds released remain within the pension wrapper, maintaining the tax advantages. Released capital can be used to purchase additional commercial property, invest in other permitted assets, or simply held as cash within the SIPP.
When to Consider SIPP Equity Release
Portfolio Expansion
Your SIPP property has grown in value and you want to use that equity to acquire a second commercial property, building a diversified pension property portfolio.
Rate Improvement
Your existing SIPP mortgage is on a higher rate or approaching the end of a fixed period. Remortgaging can secure better terms and potentially release equity at the same time.
Diversification
You want to rebalance your SIPP by releasing some property equity and investing in other asset classes — equities, bonds, or funds — to reduce concentration risk.
Fund Liquidity
Your SIPP needs liquid cash to meet pension drawdown payments, cover property maintenance costs, or service other obligations without selling the property.
Eligibility Criteria
- SIPP/SSAS must hold commercial property with current independent valuation
- Total borrowing cannot exceed 50% of the pension fund's net asset value
- Property must be in good condition with a reliable tenant or rental history
- Existing mortgage must be up to date with no arrears
- SIPP provider must approve the remortgage or further advance
- Independent RICS valuation required to confirm current market value
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.
Ready to Release Equity From Your SIPP Property?
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Discuss Equity ReleaseWritten 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.