Commercial
property.

We are experts at dealing with UK commercial property acquisition and administration within self invested pensions and have specialised in this area since we started in 1979. It's why we administer over 3,800 commercial properties within our self invested pensions.

Commercial property services.
Built on expertise.

For over 40 years' we've provided dedicated administration and support services that ensures we understand our clients’ objectives and can tailor our services to meet them.

Working with in the framework of pension legislation, you can finance your commercial property purchase either solely through your pension scheme, by borrowing funds, or with the help of other parties - connected or unconnected - to pool funds and purchase commercial property collectively or participate in property syndicates, if required.

If clients are considering purchasing a UK commercial property through their self invested pension, clients will need to complete our Commercial Property Questionnaire so that we can assess whether, in principle, the property can be held within the Dentons SIPP or Dentons SSAS. After accepting the property we can look at establishing a self invested personal pension (SIPP) or small self administered scheme (SSAS) with us, this process allows clients to avoid incurring any unnecessary expense.

We offer the following market-leading features:
  • joint transactions between your pension scheme and other pension schemes, individuals and companies
  • ability to phase the property purchase
  • flexibility to choose your own qualified professionals - solicitor, value and lender
  • all UK commercial property considered
  • freedom for clients to manage their own commercial property
  • VAT registration, where applicable.

Key advantages of holding commercial property in a SIPP/SSAS.

Opportunity to borrow funds towards the purchase and development of the property.

Opportunity to borrow funds towards the purchase and development of the property.

Any gain on the value of the property when sold should be free from capital gains tax.

Any gain on the value of the property when sold should be free from capital gains tax.

The property is owned outside of a business so it's protected from creditors in the event of insolvency.

The property is owned outside of a business so it's protected from creditors in the event of insolvency.

Open market rent is paid to the pension scheme and all rent from tenants is received gross and free from income tax.

Open market rent is paid to the pension scheme and all rent from tenants is received gross and free from income tax.

Rental income payable by the tenants can be treated by them as a business expense for tax purposes and can reduce the income and corporation tax liability of the tenant.

Rental income payable by the tenants can be treated by them as a business expense for tax purposes and can reduce the income and corporation tax liability of the tenant.

The property is outside the member's estate for inheritance tax purposes.

The property is outside the member's estate for inheritance tax purposes.

Next steps.

If you are interested in holding commercial property within a SIPP or SSAS please follow these steps:
 

  1. Read our Commercial Property Guide
  2. View which properties can and cannot be held in a Dentons SIPP or SSAS
  3. Read about some key areas to consider when purchasing UK commercial property
  4. Complete our Commercial Property Questionnaire and submit to us for prior acceptance.

Commercial Property Literature.

Download

Document date August 2022

Commercial Property Guide

Asset 1

Download

Document date January 2023

Commercial Property Questionnaire

Asset 1

Download

Document date June 2023

EPC Leaflet

Asset 1

Download

Document date April 2022

Self Managed Property Duties

Asset 1
View More

Other investment opportunities.


Once the pension funds are in place, it's time to think about your choice of investment. Whether it's a basic approach or more expansive strategy, we take pride in putting clients in control.

A principal feature of our self invested pension plans is the flexibility they provide when it comes to investment options. An extensive range of opportunities is listed below.

Investment opportunities

Ready to find out more?
Speak to an expert today.

Whatever your retirement needs, one of our experts will be happy to discuss how we can help you achieve your goals.

T: 01483 521521
E: enquiries@dentonspensions.co.uk
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