Property from Pensions

07/09/2022

Our client recently purchased a one-bed Holiday Let in the UK. They funded the purchase and light refurb using cash from their SSAS pension scheme (via a GDCV).

After mortgage and other landlord costs, they were able to pay the total cash used from their SSAS back into the scheme within 5 years.

Buying a Holiday Let through a SSAS scheme provides a substantial amount of tax savings (including no Income or Corporation Tax on the rental income, no Capital Gains Tax and no Inheritance Tax).

05/09/2022

30/08/2022

Listen to over three and a half hours of free content about how to invest your own hard earned pensions money into UK property! This series of podcast episodes feature our CEO James Hadley:

https://loom.ly/rnlRHW4

‎Show My Property World with WILL MALLARD, Ep Property From Pensions Super Series with James Hadley and Will Mallard. - 29 Jun 2021

25/08/2022

This is a useful free guide for first-time buy-to-let property investors, covering stamp duty, target tenants, property location and more: https://loom.ly/KohwYvM

Thinking about investing in property? Read our ultimate guide to get started.

24/08/2022

In this case study, our client purchased a 4-bed property to let to the student market.

They purchased the property through a GDCV using funds from their SSAS pension scheme.

It will only take them 3 years to repay all the cash they used to purchase and update this property back in to the SSAS (taking into account the 75% Loan to Value Mortgage that was applied to the property after renovation).

For more case studies showing how real people have used their pension to invest into UK property, follow us on social media.

19/08/2022

Our free guide explains exactly how it’s possible to invest in UK residential and commercial property using your pension.

Download it here: https://loom.ly/GwjRsKc

17/08/2022

GDCV stands for ‘Genuine Diverse Commercial Vehicle’. It’s an investment structure that allows you to utilise funds from your SSAS pension to invest into residential or commercial property. But why would you use a GDCV to purchase a property, rather than a simple cash purchase?

Because of the substantial tax benefits you would receive. Not just on any rental income, but also on any Capital Gains Tax and Inheritance Tax that would be applicable in the future.

To understand more about a GDCV and what it can do, read this article: https://loom.ly/rtyqiRA

16/08/2022

If Einstein himself said it, then it’s no surprise that today’s property investors can be confused by Income Tax and Corporation Tax when it comes to receiving income from property investment activity.

The good news is that both Income and Corporation Tax do not apply to rental income from property which is purchased through a GDCV (using funds from a SSAS pension).

To understand more, read our article on tax benefits for property investors: https://loom.ly/a1XSs64

09/08/2022

In this case study, our client purchased a 3-bed property to let to the student market. Using their SSAS, they purchased and updated the property via a GDCV. By putting a 75% Loan to Value Mortgage on the Property, they are able to produce a £925 monthly income from the property and repay all cash used for the purchase back into the SSAS within 4 years.

Not only did his pension allow them to invest in this student let, but the tax benefits include any property income being received into the scheme tax-free (so no income tax or corporation tax on the rental income).

Understand more here: https://loom.ly/a1XSs64

08/08/2022

New research has revealed that the majority of UK pension funds predict a dramatic increase in residential property investment over the next 5 years. And if institutional funds think property investment is on the rise, perhaps now is the time for smaller pension schemes to get in on the action too:
https://loom.ly/qSO_7ho

Defined Benefit (DB) pension schemes will increasingly look to UK residential property development, supporting the drive to deliver housebuilding targets for the country, new research from Downing LLP has revealed

29/07/2022

Are you opting for Pensions or Property Investing to fund your retirement? We talk retirement strategy in our latest article: https://loom.ly/OABzeZ8

Property Investment and Pensions are often talked about in isolation of each other when it comes to retirement planning. Property is often compared against pensions without the consideration of any potential advantages of one investment vehicle benefitting the other.

27/07/2022

“Through my SSAS and GDCV I have been able to utilise my pension pot to buy property through leverage of the banks. The income after expenses is returned to my SSAS tax free and I am able to grow my pension to sums I would never have achieved traditionally.

Using James and his team has been enlightening on my property journey, I never would have imagined I would be where I am now without his knowledge and the trust I have in him. His expertise and guidance throughout has been second to none.”

Our client has already successfully purchased two student lets and a holiday let using a SSAS pension. Get in touch to understand exactly how investing in property using a pension works.