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The Commercial Property Team. How can we help?


Our Property Team has over 30 years’ experience and we are here to help you structure property transactions to meet your clients’ needs.  We offer:

  • a free feasibility report - to give an estimate of the expected costs associated with each specific transaction plus;

  • dedicated support for each of your cases through to completion:

    • dealing with lenders, if a SIPP loan is required

    • signing all legal paperwork - which can save valuable time when working to a deadline for property completion.

Whilst holding commercial property in a Self-Invested Personal Pension (SIPP) can be perceived as complicated, there are clear advantages and we are happy to support you through the journey to give you and your clients, peace of mind.  

If you have any questions regarding property purchase and using the Sanlam OneSIPP, please don’t hesitate to contact us on 0117 9752331.

Insured SIPP: The Alternative Option

There has been huge growth in self-invested personal pensions (SIPPs) with the majority on the market being Trust Based.  Having a SIPP means that clients are able to be their own “fund manager”, free to make their own investment decisions. Sanlam purchase most of its commercial property through an insured SIPP which offers certain benefits over other more mainstream options:

The VAT Option: Sanlam’s solution to paying VAT. 

Under an Insured SIPP arrangement, we hold your client’s property in Sanlam’s name.  As the legal and beneficial owner we are able to fund any VAT payment.  But how does it work?  

We use available and agreed SIPP funds that your client has, plus any approved loan to purchase the property without having to earmarked any client funds for associated VAT payments.  In essence, Sanlam ‘loan’ your client the VAT (currently 20%) on any property purchase rather than the client having to fund this payment using monies held within their SIPP.  

We charge a fee of 0.8% of the net purchase price for this service, a fraction of the VAT payment that your client could have paid, which can make the difference between a case proceeding or not. 

Higher Financial Services Compensation Scheme Protection (FSCS) for Insured v. Trustee

The Insured SIPP arrangement can also offer your clients greater peace of mind.  The protection currently afforded by the Financial Services Compensation Scheme (FSCS) for Insured SIPPs is more comprehensive than for Trustee Based SIPPs.  The FSCS will compensate clients up to 100% of their investment, with no upper limit in the unfortunate events of fraud or insolvency.  With Trust Based SIPPs, which most other providers offer, this protection is much less, limited to £50,000 per person. 

It’s important to consider that the majority of OneSIPPs, with property holdings, have assets over £100,000, so this could make a big difference.  
Find out more about our Commercial Property Team and using our OneSIPP.

Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.