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The Property SSAS
Invest in property using your pension funds
A Property SSAS is a Small Self-Administered Scheme pension trust, independently established for the benefit of its members.
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A comprehensive guide to pension control, investing in Property and reducing Corporation Tax and Inheritance Tax
What is a Small Self-Administered Scheme?
- Use the Director Strategic Pension Planning Calculator
- Download the Loanback Guide (plain-English, HMRC-compliant)
- Understand how pensions can support business or property plans
The Small Self-Administered Scheme (SSAS) is a corporate pension scheme that was devised by government to help business owners align their pensions with their business strategies.
It is available to UK business owners. The key feature of the SSAS is that it gives business owners control and flexibility and full discretion over how they invest their pension funds. Unlike traditional pensions, the SSAS can invest in property. There are defined property categories that a SSAS can invest in.
Below you can read more about the pros and cons of switching to a SSAS. It is an extremely powerful pension scheme for those who are eligible to have one and can offer a great deal of control in creating innovative strategies for your business and family. A SSAS can also be combined with other tax planning products, such as the Family Investment Company to achieve even greater tax efficiency.
Tax Relief on Contributions
Contributions to the SSAS also receive tax relief (provided some conditions are met). This makes it a powerful tool for reducing your tax liability while building retirement wealth
Are you looking for options to invest for the future?
A Small Self-Administered Scheme (SSAS) is a pension scheme that would usually be set up by a limited company. It is normally set up on a defined contribution/money purchase basis.
SME business set up the SSAS which is run for the benefit of the owner as well as other company directors/key employees and/or family members. A SSAS is a type of Occupational Pension Scheme with several advantages. We are often asked, what are the benefits of a SSAS pension and the answer is extensive.
As well as the same benefits traditional pension offer, a SSAS has much more control and flexibility to allow you to achieve your aims and goals, including increased investment choice and power, tax efficiency, business and pension alignment and much more.
Property Investment
This type of scheme is an attractive option for investors and business owners because it can be tax-exempt. This includes Capital Gains Tax, so investments in property can generate substantial returns.
Property Investment
This type of scheme is an attractive option for investors and business owners because it can be tax-exempt. This includes Capital Gains Tax, so investments in property can generate substantial returns.
Why start a Small Self-Administered Scheme pension (SSAS)?
Tax-Exempt Benefits
This type of scheme is an attractive option for investors and business owners because it can be tax-exempt. This includes Capital Gains Tax, so investments in property can generate substantial returns.
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SSAS Overview
LBTP Overview
FAQs
How can I invest my SSAS pension money?
SSAS pension funds can be invested in many ways. The SSAS can invest in everything that traditional pensions can, with the same tax benefits, plus much more. For example, invest in property or loan to your business.
TLPI take the time to understand your situation, strategies and goals. We then support you by providing the knowledge and tools to ensure your longer term SSAS strategies are working to grow your SSAS, support your business and achieve the retirement you desire. We are able to offer expert pension, property investment, tax and investment strategy advice and support. To book a call at a time to suit you, please Click here.
Can a SSAS purchase commercial property?
Yes. A privilege of a SSAS pension is that it can invest in commercial property. Read more…
Can a SSAS purchase residential property?
A SSAS cannot directly invest in or hold residential property. It can purchase development land and sell prior to the building becoming habitable. An alternative is to invest in residential property in a hands-off manner. For example, you can loan to an unconnected developer or you can loan to your company and use the loan to invest in any business purpose you see fit. Read more…
What can a Lifetime Business Tax Plan invest in?
A Lifetime Business Tax plan can invest in a wide variety of asset classes, including:
- Commercial property
- Hands off property investment
- Your own business
- Stocks and shares
- Property development loans
And much, much more