Commercial property

Commercial property purchase via a SIPP is a popular investment choice for our clients and therefore makes up an important part of our offering. We own over 1,000 properties with many more purchases pending on behalf of our clients. We employ a dedicated and experienced property team, a member of which is allocated to each individual purchase from instruction through to completion and beyond. This specialist, personable service together with one of the most competitive charging structures for SIPP property purchase in the market, are a couple of the reasons why we are the SIPP provider of choice for many advisers and clients when purchasing a property in this way. More information about our commercial property offering can be found here.

We will consider any UK-based property or land which has commercial use. We will not, however, purchase properties overseas. Below are some examples of the types of property we have purchased on behalf of our clients:

  • Offices
  • Multi-tenanted office blocks
  • Industrial units and warehouses
  • Shops and other retail units
  • Barrister chambers
  • Pubs
  • Plots of land for various commercial usage

Our fee structure for commercial property purchase is one of the most competitive in the SIPP market*:

  • No SIPP establishment fee
  • No fees for transfers in or contributions
  • A flat annual administration fee of £580+VAT
  • A one-off £550+VAT fee to purchase the property
  • A one-off £550+VAT fee where borrowing is involved
  • No additional annual fee from having a property; this is covered by the annual administration fee

Furthermore, all fees relating to the purchase are per property, not per client. Consequently, if two clients purchase a property together, they will each pay only £275+VAT in addition to their annual administration fee.

We do not operate panels of banks which can only be used by clients. Furthermore, while we do insist that a property manager is appointed if the client is tenanting their own building this role can be fulfilled by them. If this isn’t the case, a property manager is needed, again, we do not operate restrictive panels.

Experience has taught us that no two property purchases are the same and that all parties involved in the purchase must work with one another to ensure that the purchase completes in a time efficient manner.

* Depending on circumstances other fees may apply. Not including legal fees

We are happy to discuss any potential property purchase or SIPP that you may be considering. Please either speak to your usual contact by calling us on 01438 747 151 or find out who to speak to by clicking here.

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What do advisers say about IPM?

I have spent several years searching for a SIPP provider who truly holds my clients interests at the heart of everything they do, and a few years ago, following detailed research, I came across IPM. I have found IPM. to be so consistent in their high standards of service, to me and ultimately my clients, that I find it difficult to suggest clients go elsewhere. In our highly regulated environment it is a pleasure to deal with a company who holds service, client values, and common sense at the heart of everything they do. In terms of support to me, nothing is too troublesome, a non-standard case, understanding and implementation of new legislation and specific impact upon specific client planning objectives. They are a trustworthy source of knowledge, and one who I value having a very strong working relationship with. I’m so very pleased my research led me to their door, I couldn’t ask for better for my clients or myself.

Carrie Churchouse, Director and Chartered Financial Planner
Athena Wealth Planning Limited

I have had the pleasure of dealing IPM now for a number of years. They are a rare company in this day and age in that if they say something will be done within a certain time frame it is always done. The ability to speak directly to the staff dealing with your clients is invaluable and the knowledge and service from the staff is excellent. I have no hesitation in recommending them to our clients as SIPP providers and have 100% confidence that the service will be excellent.

Paul Jameson, Independent Financial Adviser
Throgmorton Capital Management Ltd

IPM has been my first choice SIPP provider for over 10 years and they provide me with all the technical support and flexibility I need to enhance the service I offer to my clients. Knowing that IPM only offer SIPPs is a great comfort to me as I can rely on the fact they are specialists in their field. Two things differentiate SIPP providers; cost and service. The IPM fee structure is transparent and good value and I have always found the service offered to be friendly, professional and approachable.

Terry Weston, Director
Spectrum Financial Services Limited

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Whether it’s a question about a specific client or SIPPs in general, we are here to help. Call us on 01438 747 151, email info@ipm-pensions.co.uk or complete the form below: