SSAS Pensions for Builders and Property Developers

If you're a builder or a property developer, SSAS pensions are a powerful tool for many reasons. 

Let’s take a look.

The Benefits of Commercial Property Ownership Inside a SSAS

If you own commercial property within your Company, a SSAS pension can be a significant benefit to you because you can transfer your property portfolio into a SSAS, moving it from a taxed, to a tax free environment. 

• Reducing corporation tax
• Free from capital gains tax
• Protects assets against creditors

Discover more benefits of owning commercial property inside a SSAS.

One of the best things about owning commercial property inside a SSAS Pension (whether it’s your Company utilising the property, or you’re renting the property out to another), is that the rent payments being made into the SSAS are tax free, and therefore provide cashflow into the pension, growing your SSAS by the gross figure of the rent it receives. 

If it’s your Company that is paying the rent to your SSAS, it’s worth noting that with rent payments being tax deductible, this becomes a highly tax efficient strategy as there is also no tax paid on the funds as they come into the SSAS, enabling you to grow your fund every month, by the gross amount that is coming in.

SSAS Pension Property Purchase: Pooling SSAS Funds

If you lack the funds needed to purchase a commercial property, you can pool the funds of up to 11 members inside a SSAS. 

SSAS permits pension transfers from SIPPs or nest pensions that you or other members have owned previously. Transferring existing pensions into a SSAS allows you to raise the funds you need to purchase commercial property you otherwise might not have been able to afford.

With greater funds come greater opportunities for pension growth. By transferring your existing pensions into a SSAS, you grow your wealth faster and create a bigger pot to invest from. If you would like to discuss SSAS permissible investments, speak to our sister Company, One Crown Investments for more information.

Speak to a Member of the One Crown Pensions Team

Are you a builder or property developer looking for the right pension scheme? We encourage you to explore the benefits of a SSAS pension scheme. You can learn more about SSAS on our SSAS Video Hub where we share up-to-date information and answer your SSAS-related questions, completely for free.

If you would like to explore opening a SSAS or switching to us, book a call with a member of our SSAS practitioner team. We’d be happy to help.