Who may be eligible?
A pension mortgage may be relevant to company directors, business owners, self-employed professionals and other pension investors who have built a meaningful pension fund and want to assess investment property within a diversified retirement strategy.
- Your pension arrangement must support direct property and borrowing.
- The provider or trustee must accept the proposed transaction and lender.
- The pension must retain enough liquidity for repayments, costs and retirement needs.
- The property must be an arm’s-length investment and cannot be used personally.
- The term must fit your retirement timeframe and the lender’s rules.
What an initial assessment considers
Your pension
Arrangement type, current value, transfer options, charges, benefits and intended retirement date.
The property
Price, location, construction, expected rent, condition, tenancy and investment case.
The borrowing
Deposit, loan term, repayment basis, rent cover, stress testing and retained cash.
Documents to gather
- A recent pension statement showing the arrangement type and value.
- Details of previous pensions that may be considered for transfer.
- Your retirement objectives and intended retirement date.
- Property details, purchase price and expected rent if identified.
- Estimated running costs and evidence of pension cash.
- Provider or trustee contact details.
Check a real situation with a broker
A preliminary discussion can identify whether the pension, property and timeframe are suitable for further assessment.
Request a meeting