The free guide to buying commercial property with your pension
A SIPP can directly own UK commercial property — collecting rent free of income tax and selling free of capital gains tax. These guides explain the rules in plain English: what qualifies, how purchases are funded, VAT, costs and renting premises to your own business. Free, with no registration.
Start here
Buying Commercial Property Through a SIPP: The Complete Guide
How to buy commercial property with your pension: SIPP rules, borrowing, VAT, costs and a worked example. Free, plain-English guide.
Read the complete guide →Calculator
How much pension would you need?
Enter a unit price and see the full arithmetic: SDLT, costs, total requirement, and the pot needed with and without the SIPP’s 50% borrowing rule.
Run the numbers →White paper
The Managed Decline of Buy-to-Let
Ten government interventions since 2016, documented from primary sources — and what the same rulebook says about commercial property held in a SIPP. A Yeats white paper, free to download.
Read the white paper →Guides
Can My Pension Buy a Commercial Property? SIPP Property Rules Explained
Yes — a SIPP can buy commercial property like industrial units. What qualifies, who it suits and how to start. Plain-English guide.
How Much Pension Do I Need to Buy a Commercial Unit?
The pension pot needed to buy a commercial unit through a SIPP — with the 50% borrowing rule, full costs and a worked example.
Renting Your Own Premises From Your Pension: The Connected-Party Rules
Your business can rent premises owned by your pension — corporation tax relief on rent that grows your pot tax-free. The connected-party rules explained.
SIPP vs Limited Company vs Personal: The Best Way to Buy a Commercial Unit
The three ways to buy a commercial unit — personally, through a company, through a SIPP — compared on income tax, CGT and inheritance tax, with a worked example.
VAT on SIPP Commercial Property Purchases: Option to Tax Explained Simply
Why VAT appears on commercial property purchases, how a SIPP recovers it, when a TOGC means no VAT at all — and the cashflow timing to plan for.