commercial property purchase.

Many people choose to invest in commercial property to satisfy the potential for capital growth and regular income. These guidelines apply to property purchased through a Rowanmoor scheme.

Buying commercial property via a self-invested pension 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.

BORROWING

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

INSURANCE

Adequate insurance cover must be maintained and held in the name Rowanmoor Trustees Ltd, including public liability cover 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.

SOLICITORS

Member trustees can use their own legal representative or we are happy to introduce a solicitor with experience in this area.

PROPERTY MANAGEMENT

We do not insist on the appointment of a property management firm, however we do recommend that advice is sought regarding how a property will be managed.

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:

7800

UK & OVERSEAS PROPERTIES