Pension scheme property investments
Specialist property advice for pension schemes, from investment decisions to ongoing asset management.
Expert legal advice on property acquisitions, management and disposals in pension schemes.
There are two types of pension scheme that are able to invest in property. Self Invested Personal Pension schemes (SIPPs) and Small Self-Administered Schemes (SSASs) can both purchase commercial property, as well as commercial and agricultural land. There is significant complexity in this area and it’s important to work with a property team with a deep understanding of the complex products and the legal and regulatory framework in which they operate.
We provide specialist advice in dealing with the property elements of such schemes, on a range of issues, including property purchases, leasebacks and loans (which may be secured against all types of assets ranging from residential premises to agricultural machinery). We work closely with pension trustees and their advisers, ensuring that transactions complete quickly and smoothly and in full compliance with HMRC requirements (avoiding potentially substantial penalties).
- Extensive experience helping pension schemes navigate complex property transactions with confidence.
- Seamless support from acquisition and development through to ownership and management.
- Proven expertise in supporting pension schemes maximise the value of commercial property investments.
- Commercial property advice backed by a full-service law firm and private wealth experts.
Our expertise
Our lawyers advise on all types of pension scheme property transactions, including:
- The purchase and mortgage of commercial property through SIPPs and SSASs
- The sale of commercial property through SIPPs and SSASs
- The grant and renewal of leases of pension property investments to member tenants or to third party tenants
- Leasehold management of pension property investments
- Loan and leaseback agreements
Our recent work
- Acting for a SSAS lending capital to its sponsoring employer (a chain of boutique hotels). The security was to be charged on a residential property (considered higher risk of triggering a penalty for unauthorised payment). The property belonged personally to one of the sponsoring employer directors rather than being a company asset.
- A complication arose when it was discovered that the property being used to secure the assets was unregistered and that the deeds could not be located. Following a series of enquiries and investigations the deeds were tracked down, enabling a first registration. During this process, searches revealed that the property was subject to at least one legal charge. This had the potential to result in substantial penalties on the fund if the new charge was not able to be registered as a first charge but we successfully resolved the issue.
- The new legal charge was drawn up specifically tailored to the situation (a third party securing loan), which ensured that in the event of default of the loan the pension fund would not become mortgagees in possession – which again would have serious tax implications.
Contact us
If you have any questions or would like advice on a related matter, please complete the form and one of our experts will be in touch as soon as possible.
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Why use our pension scheme investment solicitors?
Highly experienced in commercial property law
Our specialist commercial property solicitors understand the opportunities and risks involved in property investment, ownership and development. We provide clear, strategic advice to help you make informed decisions, protect your assets and maximise long-term value.
Supporting long-term wealth planning
Our commercial property and private wealth teams work together to provide comprehensive advice on property investments, wills, estate and succession planning.
Leading full-service law firm
Boyes Turner is recognised in Chambers UK and the Legal 500 for commercial property work. As a full-service firm, we provide integrated legal support across property, corporate, employment, tax and private wealth matters, ensuring a holistic approach to your pension scheme investment.
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