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Buying With Your Pension


A Self-Invested Personal Pension (SIPP) is a registered pension plan with HMRC that can provide a flexible and tax-efficient method of preparing for your retirement. It gives you all sorts of options on how you put money in, how you invest it and how it’s paid out.


A Small Self Administered Scheme (SSAS) is a pension trust set up by a limited company or a partnership. SSASs are primarily set up by private and family run limited companies for the benefit of the owner directors and senior employees. The members are also trustees and so have control and flexibility over the Scheme assets and investment choices in a tax efficient environment.

A SSAS is registered with HMRC and so benefits from the generous tax reliefs afforded to pension schemes such as:

A tax free lump sum on death before retirement.

There are rules and regulations laid down by HMRC (which change frequently however) relating to each of the above .

For both a major benefit is the ability to Purchase commercial property to be leased back to your business (or to a third party), and transferring commercial property from you, or your family, personally (known as ‘in-specie’ transfers).

Kenneth Cameron has had extensive experience in recent years in acting in purchases, sales and leases for both types of Pension vehicles, working with a number of well known Pension Providers.