SIPP Mortgages

SIPP Mortgages - are mortgages for SIPPs. SIPP Mortgages are mortgages which are arranged through a mortgage lender who allow the loan to be made through your SIPP or self invested personal pension.

SIPP mortgages can be used to purchase a commercial property which can then be rented to your own business or a third party at market rates. The rental income received then pays off the mortgage loan.

The SIPP not only allows you to invest in property, but can allow you to borrow money against your pension fund to assist with the purchase of such a property.

Certain restrictions apply to SIPP borrowing. For example, any loan to a SIPP is subject to Her Majesty's Customs and Revenues (HMCR) restrictions.

Further it is important to remember that commercial property may be illiquid, and values are likely to be a matter of the valuer's opinion.

It is essential that you take professional advice from an independent financial adviser on SIPP products. In the event, that a SIPP mortgage.

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