Commercial property purchase with a SSAS

clock

Richard Mattison looks at how a SSAS may prove more advantageous for commercial property purchase.

The benefits of purchasing commercial property with a UK pension scheme are widely known. What is not always clear however, is which pension vehicle is most appropriate? In many cases SIPPs have been used by clients who are directors of limited companies, when a SSAS would have been more suitable. Let's consider the advantages SSAS have over SIPPs in these cases. Separate trust A SSAS is a stand-alone trust, while a SIPP involves a master trust or insurance contract where each member is effectively joining a big group scheme. This means that the SIPP operator has the ultimate say o...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Pensions

'Caution' required over potential use of pensions for house deposits

'Caution' required over potential use of pensions for house deposits

Research finds the number of retirees living in rented property could treble by 2040

Martin Richmond
clock 23 January 2026 • 4 min read
Hidden 'systemic barriers' perpetuate gender pensions gap

Hidden 'systemic barriers' perpetuate gender pensions gap

Entrenched barriers, not lack of financial confidence to blame

Jenna Brown
clock 23 January 2026 • 3 min read
Mind the (widening) gender pensions gap

Mind the (widening) gender pensions gap

‘A terrifying outcome for women in retirement’

Caitlin Southall
clock 14 January 2026 • 4 min read