One of the great advantages of SIPPs is that they allow a wide range of investment types including direct investment in commercial property, allowing you to put almost any business premises and rental income from it into your retirement savings. You can hold a wide range of commercial properties, including:

  • Shops
  • Offices
  • Warehouses
  • Farms/Agricultural
  • Licensed Premises
  • Nursing Homes

James Hay Partnership has over fifteen years experience in managing a wide range of commercial properties and we currently manage approximately 4,500 properties.

Commercial Property is a popular investment option due to the ability to borrow against the value of the fund. Current legislation permits the SIPP to borrow up to 50% of the net fund value. A SIPP fund with a net fund value of £200,000 could borrow up to £100,000. Rental income must cover the repayments by 130% on a variable rate loan and 110% on a fixed rate loan.

Solicitor Panel

Members are free to use any solicitor but James Hay Partnership work regularly with the following solicitors and due to those close working relationships developed, use of a panel solicitor benefits from a reduction in the James Hay Partnership initial purchase charge on the property.

Caroline Probert
01722 412 512

Amanda Read
Coffin Mew
023 8033 4661

Giles Bevan-Thomas
Parker Bullen
01264 400 500

Julian Pyrke
Gregg Latchams
020 7855 9640

Sarah Gray
01382 342 279

Joanne Wilson
Morton Fraser
0141 375 0804

David Milne
MacRoberts LLP
01382 339 355

Andrea McCann
John McKee Solicitors
028 9203 2303

Key Documents

For more detailed information concerning a Commercial Property purchase, please visit the literature section.

Property Management

Commercial properties are managed by CBRE, our appointed managing agent.


The Property Department works on a strict rotation basis and whilst we always seek to provide excellent customer service we are unable to treat any items as urgent. We would remind you that use of our panel solicitors is likely to result in smoother administration and a faster turnaround time. Please also remember that a SIPP Commercial Property purchase takes an average of 8-12 weeks from the time solicitors are instructed by James Hay Partnership.