Commercial Property
Finance Through Your SSAS
Specialist brokers connecting UK SSAS trustees and company directors with competitive commercial property mortgage rates. Compare lenders, calculate your borrowing power, and get indicative terms in minutes.
Founded by Matt Lenzie — former banker, corporate finance partner, and board advisor to a £2.9bn AUA SIPP business
Total Arranged
£50M+
SSAS property finance
Average LTV
48%
Within HMRC 50% cap
Completion Time
6-8 Weeks
From application
Lender Panel
15+
Specialist SSAS lenders
Specialist Broker
SSAS Experts
HMRC Compliant
Pension Property Rules
Experience
15+ Years
Arranged
£50M+ Finance
Founder
Matt Lenzie
Specialist Pension Property Finance
Whether you're purchasing through an SSAS or exploring loanback options, we connect you with the right lender for your commercial property goals.
SSAS Commercial Mortgage
Purchase commercial property through your SSAS with up to 50% LTV. Fixed and variable rates from specialist pension lenders.
SSAS Loanback
Borrow up to 50% of your SSAS scheme assets back to the sponsoring employer under HMRC rules. Repaid within 5 years.
SSAS Bridging Finance
Short-term SSAS bridging loans for commercial property acquisitions requiring fast completion. Competitive rates, flexible terms.
Your SSAS Borrowing Power
An SSAS can borrow up to 50% of the property value. Here's what your pension scheme could achieve.
Max Borrowing
£250,000
50% of property value
SSAS Deposit
£250,000
From your pension fund
Remaining Fund
£150,000
Fund sufficient
Buying Power
£800,000
Maximum property value
For illustrative purposes only. Actual borrowing depends on lender criteria, property type, and SSAS trustee approval.
How It Works
From first enquiry to completion, we guide you through every step of securing SSAS property finance.
Submit Enquiry
Complete our short enquiry form with your property and pension details. Takes under 2 minutes.
Expert Assessment
Our specialist broker reviews your requirements and identifies the most suitable SSAS lenders.
Lender Matching
We present you with indicative terms from multiple specialist SSAS mortgage lenders.
Completion
We manage the full application process through to completion, liaising with your SSAS trustees.
HMRC Permitted Property Types
HMRC strictly regulates which property types can be held within an SSAS. Commercial property is generally permitted; residential is not.
Office Buildings
Standard commercial offices
Industrial Units
Factories, workshops, depots
Retail Premises
Shops, high street, retail parks
Warehouses
Distribution, storage, logistics
Mixed-Use
Commercial with ancillary residential
Residential Property
Not permitted in SSAS (HMRC rules)
Agricultural Land
Generally not permitted in SSAS
Holiday Lets
Classed as residential by HMRC
Based on HMRC guidance RPSM03107030. Rules may change — always confirm with your SSAS trustees and seek professional advice.
Recent Case Studies
Real deals we've arranged for SSAS trustees.
Industrial Unit Acquisition via SSAS
Completed in 6 weeks
Office Building Purchase for Director
5.49% rate secured
SSAS-Funded Retail Premises Refinance
Bridging to term loan
Our Specialist Lender Panel
We work with the UK's leading SSAS commercial property mortgage lenders to secure you the best terms.
West Bromwich BS
Shawbrook Bank
Redwood Bank
Aldermore
Hampshire Trust
Paragon Bank
Meet the Founder
Matt Lenzie
Matt founded SIPP Property Finance to give pension trustees and their advisers direct access to the specialist commercial mortgage market — without the jargon, delays, or conflicts of interest that too often come with pension property lending.
As a board advisor to a SIPP business managing over £2.9 billion in assets under advisory, Matt understands the regulatory, operational, and investment realities that pension trustees face when acquiring commercial property.
His career spans institutional banking and a partnership in a corporate finance advisory firm, where he was involved in raising over £300 million of equity and debt finance. That depth of capital markets experience means every SIPP Property Finance client benefits from structuring expertise that goes well beyond standard mortgage broking.
£2.9bn+
Assets Under Advisory
Board advisor and consultant to a leading SIPP business
£300m+
Capital Raised
Equity and debt across multiple transactions
Banking
Former Banker
Institutional lending and credit experience
Corporate Finance
Former Partner
Partner in a corporate finance advisory business
Frequently Asked Questions
Common questions about SSAS commercial property finance.
Expert Guides & Resources
In-depth guides covering every aspect of SIPP and SSAS property finance — from the basics to advanced tax planning strategies.
What Is a SIPP? A Complete Guide for Property Investors
How SIPPs work, who they suit, and why they're the pension of choice for property investors.
SIPP Mortgage Explained: How Pension Borrowing Works
How SIPP mortgages work, the 50% LTV rule, and what to expect from the lending process.
Tax Benefits of Buying Property Through a SIPP
Tax-free rental income, no CGT, contribution relief and IHT benefits explained.
Can Your Business Rent Property From Your SIPP?
How connected party leasing works, HMRC rules, and the tax advantages for business owners.
SSAS vs SIPP: Which Is Better for Property Investment?
Key differences, loanback rules, and which scheme suits your business structure.
Case Study: Business Owner Buys Their Office Through a SIPP
How James used his SIPP to purchase his £390k office — saving tens of thousands in tax.
Latest SSAS Guides
Expert insights on SSAS property finance, tax rules, and investment strategies.
SSAS Long-Term Wealth Strategy: A 20-Year Framework
The full power of an SSAS commercial property strategy only becomes visible over a 15-20 year investment horizon. This guide sets out a comprehensive framework for each phase of that journey.
SSAS Property Investment for New Directors: Where to Begin
If you are a director who has just heard about SSAS pension property investment for the first time, this guide explains everything you need to know to understand whether it is right for you.
Combining Your SSAS with Other Investments: A Strategic Guide
An SSAS is a powerful wealth-building tool, but it works best as part of a broader investment strategy. This guide explores how to integrate your SSAS with ISAs, buy-to-let, business assets, and more.
SSAS Succession Planning: Protecting Wealth Across Generations
An SSAS is one of the most IHT-efficient wealth vehicles available to business owners. Succession planning ensures the value you have built passes to your chosen beneficiaries in the most tax-efficient way.
When to Sell Your SSAS Property: Timing the Exit
Deciding when to sell a commercial property held inside an SSAS requires balancing market conditions, lease events, retirement timelines, and portfolio strategy. This guide explains the key decision factors.
SSAS Property vs Equities: Which Delivers Better Pension Returns?
Property and equities are the two dominant SSAS investment strategies. This guide compares historical returns, risk profiles, tax treatment, and practical considerations for pension scheme trustees.
Get Indicative Terms
Complete our short enquiry form and receive indicative SSAS mortgage terms from our specialist broker within 24 hours.