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During the Coronavirus outbreak, we are taking precautions to protect the health of our colleagues and clients as well as working hard to ensure business as usual is maintained. We will continue to respond to all communications as quickly as we can. However, if your call is not urgent, please contact us via email and we will respond as soon as possible. If you are uncertain of a particular email address, please use one the following:


Alternatively, if your call is urgent, many of our staff are contactable on their direct lines. The Embark Group has full capabilities in place to enable all our staff to work remotely and we are doing our best to maintain our service levels, however please note response times may vary.

For useful tools and resources or to learn more about the market impact of Coronavirus, please visit our COVID-19 page.

investing in commercial property.

Buying commercial property via a pension scheme can be a tax-efficient way to inject cash into a business and provide regular income in the form of rent. Those planning to purchase property through their pension, should consider the following:


Independent valuation.

Prior to purchasing an acceptable property investment an independent valuation is required.


It is possible to borrow up to 50% of the net value of the assets held within the pension scheme.


Adequate insurance cover is mandatory and held in the name Rowanmoor Trustees Ltd, including property owners liability insurance of at least £5m.

Rental payments.

Rent must be paid when it falls due and subject to regular rental reviews.

Approved lenders.

We do not stipulate or limit the lenders that can be used, although all borrowing documentation must be agreed by us prior to a loan being taken out.


Member trustees must use our retained solicitors who have vast experience in this field.

Property management.

We do not provide property management services. However, it is the responsibility of the pension members to put appropriate property management arrangements in place.

we know property.

Our dedicated property team are well versed in the intricacies of holding property within a scheme. They oversee a property portfolio of 8,000+ UK and overseas properties.

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