BUYING A PROPERTY
PROVEN PROCESS
5 STEPS TO BUYING A PROPERTY THROUGH A SELF-ADMINISTERED PENSION
GUIDE TO YOUR PENSION AND BUYING A PROPERTY JOURNEY
1. ADVISE ON PENSION STRUCTURE
- Refer to our 5 steps to buying a property through your pension
- Individual acquisition
- Pooled/JV acquisition-BTL/HMO
2. INTRODUCE YOU TO OUR PARTNERS
- Maintaining income to debt ratios
- Upholding “arms-length” principles
- Insurances on property are always active
3. SOURCE THE PROPERTY
- Revenue Rule “Gatekeeper”
- Responsible for Revenue reporting
- Operate bank account on behalf of pension owner
- Compliance with the Law
4. ARRANGE THE MORTGAGE
- A PSRA licenced Property Manager will need to be appointed
- Rent will then be paid to the Property Manager and expenses extracted from the income
5. PURCHASE THE PROPERTY
- Tax Free
- Paid into pension fund
- No personal access to funds
- Tax Free Rental Income
6. REFURB & FITOUT
- Tax Free
- Paid into pension fund
- No personal access to funds
7. TENANCY = CASHFLOW
- Paid into pension fund
- No personal access to funds
- Tax Free Rental Income