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SIPP and SSAS loans

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).

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

Why borrow against your pension scheme?

Structured funding for commercial properties

Use your pension funds to buy a commercial property to rent out, increasing the pension’s net value.

Potential tax benefits

Borrowing against a pension fund has possible tax benefits. We recommend you seek independent financial advice on this.

Loan-to-value up to 70%

Borrow up to 70% the cost of the property against a pension fund.

Eligibility and requirements

To apply for a pension loan, you’ll need to meet the following criteria:

  • You must establish SIPP/SSAS before applying
  • Your chosen scheme can borrow up to 50% of the net value of your pension, subject to application
  • Only UK-registered schemes are eligible
  • You’ll need to have a valid lease in place and complete some checks before we give you the money
  • You’ll need to have a valid lease in place and we’ll complete some checks on it as part of your application

Structured to your specific requirements

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

For fixed-rate loans, if you decide to pay or cancel the fixed interest rate, you may have to pay a breakage cost in addition to other fees such as prepayment fees

 We typically lend where the tenant business is connected to the member’s scheme

For investment deals with third party tenants (unconnected to the pension) our criteria limits what we can assist with. This only applies where the tenant business is connected.  

How the application works

  1. You or your independent financial adviser will need to give us three years’ financial accounts for the company that will rent the property.
  2. We’ll then assess the mortgage.
  3. If approved, we’ll send a facility letter to your pension provider and the legal paperwork to solicitors.
  4. We’ll instruct a bank-approved partner to value the property. We’ll let you know how much this will cost in advance, and it’ll be non-refundable.

We want to make sure you get the best borrowing solution for your needs. 

Other borrowing solutions might be available that could be better suited to your circumstances.

If you'd like to find out about possible alternatives, please call1 your Relationship Team or go to the homepage of your Barclays app2 and select ‘Call us’ under the ‘Contact us’ section.

If you’re eligible and would like to apply, please request a callback below and we’ll get in touch within three working days.

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