Hartsfield Commercial Property

Commercial Property

“It’s tangible, it’s solid, it’s beautiful. It’s artistic, from my standpoint, and I just love real estate.” Donald Trump

Commercial property – and, importantly, we’re talking only about commercial and not residential property – is another popular investment option.

Commercial property can be purchased from any other party including those with connections to your SSAS or business. A full list of permitted properties that can be purchased can be found in our guidance notes.

Why invest in commercial property?

If you choose to invest in commercial property alongside other investments then you are diversifying and so spreading risk. The rent you receive grows tax-free, as does the growth in value of the property. And as the property is not owned by the individual, or by the company, it is in most cases also ring-fenced from creditors.

Consider this scenario: your pension invests in the property from which your company operates and although your company pays a commercial rent, this rent would be benefiting your pension rather than a third-party landlord.

Is a mortgage an option?

Your pension can also raise money via a commercial mortgage of up to half the property’s net value to help extend the pension’s buying power. The commercial mortgage is not restricted by the value of the property being purchased.

This may sound complicated, but the Hartsfield team has extensive experience and we’ll work with you to get your desired result. We will provide due diligence and ensure all the necessary paperwork and regulatory work is carried out.

We will work alongside our trusted team of specialists – including lenders and solicitors – so that we can organise a commercial property investment in an efficient, effective and – for you – stress-free way.

And if you prefer to use you own solicitors for any property purchase, we are more than happy to accommodate this and work with them – just let us have their details and we will contact them to ensure everything runs smoothly.

For more information about investing in commercial property, please get in touch with the team at Hartsfield Trustee Services.