Using your SSAS to Invest in Commercial Property.

My inbox has been buzzing with this topic and so I thought I’d start addressing it.

I’m a surveyor, I get involved at the point a client already has a SSAS and then wants to invest in commercial property. My job is putting together the property investment strategy and executing it.

So, if you’re someone who doesn’t yet have a SSAS and wants one please make sure to speak to your financial advisor.

Getting started: you need to make the decision to either hold the properties in your SSAS or in a Ltd Company. This informs the strategy.

> In your SSAS we need to consider what lending is available.

> In a Ltd company we have to consider how much your SSAS can lend, the interest rate at which it's lending, ensuring the SSAS always has the first charge, and then repaying the SSAS at a minimum of 20% of the loan per year, or repaying it all so the investor has enough cash to go again.

I’m breaking this down into sections as it's a huge topic to cover.