About SSAS Property Finance

We are a specialist broker focused exclusively on pension-backed commercial property finance — combining deep pension expertise with hands-on experience in structured finance and capital raising.

Matt Lenzie

Founder & Principal Broker

Lenzie Consulting Ltd · Company No. 08174104

Matt founded SSAS Property Finance to fill a clear gap in the market: most commercial mortgage brokers lack the specialist knowledge to navigate the regulatory and structural complexity of pension-backed property transactions. Clients need a broker who understands both the finance and the pension wrapper — and that is the model we have built.

Prior to founding SSAS Property Finance, Matt spent his career in banking and corporate finance, including as a partner in a corporate finance advisory business. During that time he was involved in raising in excess of £300 million of equity and debt across a range of transactions spanning property, infrastructure, and private equity.

Matt currently serves as a board advisor and consultant to a SIPP business with over £2.9 billion in Assets Under Advisory. This role gives him an exceptional vantage point on pension scheme investment requirements, trustee obligations, and lender appetite for pension property transactions — insight that directly benefits SSAS clients.

Former Banker

Corporate finance partner

£300m+ Raised

Equity & debt transactions

£2.9bn AUA

Board advisor, SIPP business

SSAS Specialist

Pension property finance

Our Approach

SSAS property transactions are structurally different from standard commercial mortgages. The borrower is the pension scheme itself — a trust — which means lenders require specific due diligence on scheme documentation, trustee authority, and HMRC compliance. Many mainstream brokers encounter these requirements for the first time mid-transaction, causing delays and in some cases deal failure.

Our specialist broker model means we qualify lenders before we approach them. We only work with lenders who have demonstrated an appetite for pension-backed transactions and who understand the documentation requirements. This saves time for both the client and the lender, and materially improves the probability of a successful completion.

We work across SSAS commercial property mortgages, SSAS development finance, and loanback facilities. Because we focus exclusively on this niche, we can offer clients a depth of knowledge that generalist brokers cannot match.

Alltrust — Our SIPP Partner

Alltrust is a related business that provides Self-Invested Personal Pension (SIPP) administration and trustee services. The relationship gives SSAS Property Finance a direct operational connection to the SIPP market, and ensures that clients with SIPP structures — rather than SSAS — can also be supported through an appropriate specialist channel.

This relationship also underpins Matt's role as board advisor to a SIPP business with £2.9bn+ in Assets Under Advisory, providing market intelligence on lender appetite, scheme structures, and the evolving regulatory landscape for pension property investment.

If you hold assets in a SIPP rather than an SSAS, please mention this when you enquire — we can ensure you are directed to the most appropriate service.

Our Network

SSAS Property Finance is part of a specialist pension property finance network. Our sister site, SIPP Property Finance, focuses on Self-Invested Personal Pension commercial property mortgages. Together, we cover the full spectrum of pension-backed property finance in the UK.

Whether your pension wrapper is a SSAS or a SIPP, our network ensures you are connected with the right specialist broker and lender panel for your specific structure.

Speak to a Specialist

If you are considering using your SSAS to acquire or refinance commercial property, contact us for a no-obligation discussion.

Get in Touch