More space for your business. A plan for your future.
Whether you’re buying your first premises or expanding, we’ll help you explore commercial property finance and whether pension ownership could suit your business and long-term goals.
Independent advice, shaped around your business
We consider your property plans alongside your wider finances. As independent financial planners, we’re not tied to a particular provider and involve specialist advisers where needed.
How we can help
Commercial mortgages and refinancing
A commercial mortgage is secured against business property or land. We can help you explore lenders to buy premises, refinance or raise funds against property you own, with specialist broking support where needed.
Borrowing terms depend on your circumstances, the property and lender criteria. Repayments must be affordable alongside your other business commitments.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Buying business premises through a pension
A suitable Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS) may be able to buy commercial premises and lease them to your business, with rent paid into the pension.
We’ll assess whether this suits your circumstances and retirement plans, considering costs, risks and any existing pension benefits. Property purchases depend on provider requirements and tax rules; any borrowing also requires lender approval.
Understanding SIPP and SSAS options
Certain SIPPs, which are personal pensions, allow commercial property investment. A SSAS is an occupational pension typically used by business owners and directors, with members commonly acting as trustees.
We’ll explain the different costs, features and responsibilities, working with pension providers, specialist brokers and solicitors where needed.
Asset finance for business equipment
Asset finance is a separate option for machinery, vehicles or equipment. We can help you explore funding to spread the cost, considering repayments, interest and charges alongside your cash flow. Options depend on the asset, your business and lender requirements.
Looking at the whole picture
Property ownership can bring opportunities, but it also creates costs and commitments. Before proceeding, it’s important to consider:
- Cash flow and affordability: the deposit, repayments or rent, professional fees and ongoing property costs.
- Your retirement plans: whether holding commercial property within a pension is appropriate for your investment objectives and future income needs.
- Investment concentration: owning your business premises through your pension can link more of your retirement savings to the fortunes of your business.
- Access to money: commercial property can take time to sell, which may affect your ability to access pension benefits or meet other payments.
- Changes to your business: what might happen if you relocate, stop trading, sell the business or no longer need the premises.
Commercial property values and rental income can fall as well as rise. Pension ownership is not suitable for everyone, and potential tax advantages should be considered alongside the risks and costs.
How we’ll work together
1
Getting to know you and your business
We’ll start with a conversation about your business, your property plans and what you want to achieve. We’ll also explain how we work and establish whether our services are suitable for your needs.
2
Understanding your finances and options
If we work together, we’ll review your finances and goals, explore options within our agreed advice scope and explain benefits, risks and costs, involving lending, legal or tax specialists where needed.
3
Supporting your next steps
Once you’ve considered our recommendations and agreed how you’d like to proceed, we’ll support the implementation of the arrangements within our remit and coordinate with the relevant specialists where needed. Any lending remains subject to the lender’s assessment and approval.
Let’s talk about your next move
Whether you’re exploring a purchase, reviewing existing property finance or wondering how your pension could fit into your plans, we’re here to help you understand your options.
Arrange a free, no-obligation initial consultation to discuss your goals and how we could support you. If you choose to proceed with advice or implementation, any applicable fees will be explained before you commit.
Important information: This page provides general information only. It does not constitute financial advice or a personal recommendation. Your property may be repossessed if you do not keep up repayments on your mortgage. The value of investments, including property held within a pension, and any income from them can fall as well as rise. You may get back less than you invest. Commercial property can be difficult to sell, and costs or periods without rental income may affect investment returns and the availability of pension funds. Tax treatment depends on individual circumstances and may change. Pension property investment and borrowing are subject to relevant legislation, scheme rules and provider requirements. Commercial mortgages are generally not regulated by the Financial Conduct Authority, although the regulatory position depends on the arrangement. Tax planning is not regulated by the Financial Conduct Authority.