Clients we have helped have bought commercial properties across the UK: industrial units, offices, shops, a mill and development land. Purchases made since 2020 average £210,000, and the typical purchase is about £148,000.
The same money can be lent straight to the directors' company. Our average business loan granted in the last 12 months is £115,000, and the median term is five years.
Each case shows the property, the loan that helped buy it and what happened next. Prices are rounded.
Two adjoining industrial units on a trading estate in Cannock, held on two separate titles.
A loan was created to help buy both units from an independent seller. An independent valuation was obtained before completion.
The units are let, so the rent is paid into the directors' pension fund.
A mill building in the market town of Leek, bought as a commercial investment.
A loan was created to help buy the mill from an independent seller.
The building is let, giving the pension fund a rental income alongside any growth in the property's value.
Commercial premises close to Reading town centre.
A loan was created to help buy the property from a seller linked to the directors. The rules require these purchases to be at full market value, so it was independently valued first.
The premises are let, with the rent paid into the directors' pension fund.
A group of commercial buildings on two titles on the south-east edge of Sheffield.
A loan was created to help buy the buildings from an independent seller, after an independent valuation.
The buildings are held as a long-term commercial asset inside the pension fund, free of tax on any gain.
A modern unit on Knowsley Business Park.
A loan was created to help buy the unit from a seller linked to the directors, at market value supported by an independent valuation.
The unit is let, so the rent builds up inside the directors' pension fund.
A unit on an industrial estate in Cirencester (about £309,000) and commercial premises in Bridgwater (about £298,000).
Loans were created to help buy both units from independent sellers, eight months apart.
Both are let, giving the pension fund two separate rental incomes.
A first-floor office in Kensington, west London.
A loan was created to help buy the office from an independent seller.
The office is let, so the pension fund receives rent from a central London commercial property.
Commercial premises in Hebburn (about £361,000), followed two years later by an industrial unit in Gateshead (about £198,000).
Loans were created to help buy both properties from independent sellers, two years apart.
Both are let, and the pension fund now holds two income-producing commercial properties.
A unit on an established industrial estate in Poole.
A loan was created to help buy the unit from a seller linked to the directors, at market value supported by an independent valuation.
The unit is let, with rent paid to the pension fund.
Commercial premises on the high street in Musselburgh, near Edinburgh.
A loan was created to help buy the premises from a seller linked to the directors, after an independent valuation confirmed full market value.
The premises are let, and the rent is paid into the directors' pension fund.
Commercial premises on the market place in Fakenham (about £91,000) and in the centre of Halesworth (about £101,000).
Loans were created to help buy both properties from a seller linked to the directors, with independent valuations.
Both properties are let, giving the pension fund two rental incomes.
Three ground-floor commercial units in central Norwich, each costing between £31,000 and £41,000.
Loans were created to help buy the units one at a time over seven months, from a seller linked to the directors, at independently valued prices.
This shows you do not need a large pension fund to start. Two of the units are already let.
Land across three titles outside Ballymena, Northern Ireland.
A loan was created to help buy the land from a seller linked to the directors, after an independent valuation.
The land is held inside the pension fund, where any future rise in value is free of tax on any gain.
Land forming part of a farm near Gloucester.
A loan was created to help buy the land from an independent seller.
The land is held as a long-term asset within the pension fund.
Business loans from £25,000 up to £500,000. 5.00% fixed. No credit checks.
