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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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