SSAS Pensions: The Tax-Efficient Way to Buy Commercial Property
A Small Self-Administered Scheme (SSAS) pension can legally purchase commercial property — including your own business premises — and collect rent tax-free. For business owners, this is one of the most powerful wealth-building tools available.
Unlike personal pensions (SIPPs), a SSAS is established specifically for company directors and can lend money back to the sponsoring employer (up to 50% of fund value at commercial rates), invest in commercial property (not residential), and hold a wide range of alternative assets. Rent received by the SSAS is tax-free. Capital growth within the SSAS is tax-free. On death, the fund passes outside your estate for IHT purposes. For a trading business owner also building a property portfolio, a SSAS bridges both worlds and deserves specialist advice from a SSAS provider and a commercial broker.