Talbot and Muir

Property

Commercial property such as industrial units, offices, and land are permitted investments under a SSAS. For many clients, property has proven to be the core investment of their pension fund.

New pensions legislation, in addition to relaxing connected party restrictions, permits pension scheme borrowings of up to 50% of the Net Asset Value of the fund. This ability to gear up gives clients greater purchasing capacity within their SSASs.

Talbot & Muir specialise in the use of property-based SSASs. Historically, SSASs established by limited companies have in turn been utilised to acquire business premises to assist the company in a highly tax-effective manner. Controlling directors with pension fund assets thereby "unlock" pension funds both creatively and tax-effectively, to assist the business in its trading position and development.

Our exposure to these transactions has helped us develop our reputation as a specialist provider in this market, through our understanding of how such transactions can be structured and the legislation they are subject to.

If you wish to discuss any type of proposed transaction involving commercial property, please do not hesitate to contact us.