SIPP Commercial
Property Mortgages
Purchase commercial property through your Self-Invested Personal Pension with specialist SIPP mortgage rates from 5.49%. We compare terms across 15+ lenders to find the right deal for your pension fund.
Up to 50% LTV
Borrow up to half the property value through your SIPP, maximising your pension fund's purchasing power.
From 5.49% pa
Competitive fixed and variable rates from our panel of 15+ specialist SIPP commercial property lenders.
6-8 Week Completion
Our experienced team manages the full process from application through to completion with your SIPP trustee.
Trusted Specialists
Dedicated SIPP and SSAS commercial property finance specialists with 15+ years of market experience.
How SIPP Commercial Property Mortgages Work
A SIPP commercial property mortgage allows your pension fund to borrow money to purchase commercial property. Under HMRC rules, your SIPP can borrow up to 50% of its net asset value. This means if your SIPP has £400,000 in funds, it can borrow up to £200,000 to purchase a property worth up to £600,000.
The property is held as an asset within your SIPP, and any rental income flows back into your pension fund tax-free. This is particularly advantageous for business owners who can purchase their own commercial premises through their SIPP and pay a market-rate rent — the rent is a tax-deductible business expense, and it goes directly into your pension pot.
The mortgage is secured against the property and repaid from the SIPP fund over terms of up to 25 years. Interest rates for SIPP commercial mortgages typically start from around 5.49% per annum, with both fixed and variable rate options available from specialist pension lenders.
SIPP Property Mortgage Eligibility
- Property must be commercial (offices, industrial, retail, warehouses)
- SIPP must have sufficient funds for the deposit (minimum 50% of property value)
- Property must be purchased at market value with an independent valuation
- Tenant must be in place or arranged (connected party tenants are permitted)
- SIPP provider must approve the property as a permitted investment
- Residential property is not permitted within a SIPP (HMRC RPSM03107030)
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.
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Get Indicative 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.