
Structured funding for commercial properties
Use your pension funds to buy a commercial property to rent out, increasing the pension’s net value.
Borrow against your pension fund
Get a mortgage for a commercial property with self-invested personal pensions (SIPP) or a small self-administered scheme (SSAS).
To find out more and apply, email us at nationalpensionsdebt@barclayscorp.com
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments.
What are SIPP and SSAS Loans?
SIPP and SSAS loans are structured finance solutions that allow you to buy a commercial property through a pension scheme.
To apply for this type of property-backed, pension-linked borrowing, you’ll need to have set up either a self-invested personal pension (SIPP) or a small self-administered scheme (SSAS). You can do this through a professional provider or an authorised independent financial adviser, but you should discuss their suitability first and ask for advice on the effect they’ll have on your pension plan and investment structures.
Our specialist pensions team will provide more information about the lending criteria and process involved in a SIPP or SSAS property loan, and will work with you to structure a loan that meets your financial needs
Use your pension funds to buy a commercial property to rent out, increasing the pension’s net value.
Borrowing against a pension fund has possible tax benefits. We recommend you seek independent financial advice on this.
Borrow up to 70% the cost of the property against a pension fund.
A choice of interest rate types – fixed or floating (linked to the Barclays Bank Base Rate) or a combination of both. Fixed rates are available for up to 10 years. If you cancel or chose to repay your mortgage early, breakage costs may apply
Lending available up to 50% of the net value of your pension fund
Payments on a capital and interest basis
We will have first legal charge over the property
Arrangement, valuation, security and prepayment fees, and associated borrowing costs will apply
Unsecured borrowing that helps businesses spread the cost of a purchase over a set period1.
Borrow up to £100,000
Fixed or variable rates
Monthly repayments from one to five years
Whether you need to buy a new building or release equity from your existing one, a commercial mortgage could be the answer2.
Borrow from £25,000
Buy new premises or release equity in your current buildings
Fixed and variable deals from 1 to 25 years