A look at the ways to purchase commercial property via a SIPP

All the options for commercial property SIPP purchases

clock • 3 min read

Caitlin Southall looks at the various methods for commercial property purchase via a SIPP with a particular focus on partial purchase structure...

Commercial property continues to be a popular investment choice for clients using a self-invested personal pension (SIPP). There are numerous tax advantages associated with holding property within a pension wrapper, including no capital gains tax on sales proceeds, and no tax payable on rental income. There are a number of ways to fund the purchase of a commercial property via a pension. The most straightforward way is via a cash purchase, where transfers, contributions or disinvestments provide sufficient cash in the SIPP to purchase the property outright and also cover the cost of a...

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