COMMERCIAL PROPERTY INVESTMENT •  Commercial property ownership in your business 4 BUILDING A HOME • Turning a property developer dream into reality 8 BUYING AT AUCTION • SOLD! To your pension fund 10 DEVELOPMENT INVESTING • Join the lending crowd 12 SPECULATE TO ACCUMULATE • The golden nugget hiding in the hills 14 BECOME A LANDOWNER • Escape to the country 16 PENSION BORROWING • What if I don’t have enough money in my pot? 18 THE TAX BENEFITS OF PROPERTY IN YOUR PENSION 19 People often underestimate the value of their pension fund and it can be quite a revelation to discover that property ownership really can be a reality using your retirement savings. Many individuals will have accumulated pension pots from previous and current employment and it is relatively straightforward to transfer these to a Self-Invested Personal Pension (SIPP) or a Small Self-Administered Pension Scheme (SSAS) to use the accumulated funds to buy or invest in property. The rules also allow your pension scheme to obtain a mortgage of up to 50% of the pension scheme value which makes the opportunity to own property even more of a reality. Open our Key to the Door to discover everything you need to know about property and pensions and how together they can work efficiently and effectively to unlock the potential for property ownership. John Dowding, Technical Director Morgan Lloyd www.morgan-lloyd.co.uk THE PROPERTY OWNERSHIP POTENTIAL OF YOUR PENSION This is for UK intermediary, broker and adviser use only – it is not for use with retail clients. 2 3