SSAS Commercial
Property Mortgages
Reviewed by Matt Lenzie, Founder — SSAS Property Finance
Purchase commercial property through your Small Self-Administered Scheme with specialist SSAS mortgage rates from 5.49%. We compare terms across 15+ lenders to find the right deal for your pension scheme.
Up to 50% LTV
Borrow up to half the property value through your SSAS, maximising your pension scheme's purchasing power.
From 5.49% pa
Competitive fixed and variable rates from our panel of 15+ specialist SSAS commercial property lenders.
6-8 Week Completion
Our experienced team manages the full process from application through to completion with your SSAS trustees.
Trusted Specialists
Dedicated SSAS commercial property finance specialists with 15+ years of market experience.
How SSAS Commercial Property Mortgages Work
An SSAS commercial property mortgage allows your pension scheme to borrow money to purchase commercial property. Under HMRC rules, your SSAS can borrow up to 50% of its net asset value. This means if your SSAS has £400,000 in funds, it can borrow up to £200,000 to purchase a property worth up to £600,000. Multiple members can pool their assets for even larger acquisitions.
The property is held as an asset within your SSAS, and any rental income flows back into your pension scheme tax-free. This is particularly advantageous for company directors who can purchase their own commercial premises through their SSAS and pay a market-rate rent — the rent is a tax-deductible business expense, and it goes directly into your pension scheme.
The mortgage is secured against the property and repaid from the SSAS fund over terms of up to 25 years. Interest rates for SSAS commercial mortgages typically start from around 5.49% per annum, with both fixed and variable rate options available from specialist pension lenders.
SSAS Property Mortgage Eligibility
- Property must be commercial (offices, industrial, retail, warehouses)
- SSAS must have sufficient funds for the deposit (minimum 50% of property value)
- Property must be purchased at market value with an independent valuation
- Tenant must be in place or arranged (connected party tenants are permitted)
- SSAS trustees must approve the property as a permitted investment
- Residential property is not permitted within an SSAS (HMRC RPSM03107030)
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