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

HMRC updates on information sharing for IHT on pensions

HMRC updates on information sharing for IHT on pensions

Second technical note

Alex Levy
clock 01 September 2026 • 2 min read
Pension first or last? What the numbers really tell us

Pension first or last? What the numbers really tell us

'Focusing solely on reducing the pension before death can increase lifetime tax'

Joshua Croft
clock 28 August 2026 • 4 min read
IHT on pensions: New thinking on taking income in retirement?

IHT on pensions: New thinking on taking income in retirement?

‘This has undoubtedly had a huge impact on planning for many clients’

Lisa Webster
clock 26 August 2026 • 3 min read