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Pensions property specialists

Get in touch with our team

Embark Property is part of the Embark Group, a fast growing, diversified, financial services business and one of the largest retirement solutions providers in the UK.  It provides property services to the following companies within the Group:

The team also provide property services to the existing back book of customers of Rowanmoor SIPP and Solo SSAS, EBS  SIPP, SAPPP and SSAS and Hornbuckle  SIPP, Flexible Income Pension Plan and SSAS.

This website provides information about the property services we provide through our Group companies.  Please note it is primarily for use by Advisers and customers in conjunction with their Adviser. The information and opinions provided are for guidance only and are not intended as investment advice. We recommended that you seek advice from a recognised investment professional before making any decision to invest in property or one of our products.

Buying commercial property via a pension can be a tax-efficient way to inject cash into a business and provide regular income for the scheme in the form of rent. It is also possible for the pension to borrow up to 50% of the net value of the scheme to assist with the purchase provided the rent is sufficient to cover loan repayments.

Our property team has over twenty years experience in buying, administering, and selling commercial properties in pension plans to ensure transactions are carried out in accordance with pension regulations and minimise any associated risks. Whilst the pension rules for investing can seem complex, Embark Property are here to assist you and your adviser through the process.

How we work

Investing in commercial property can be complex and time consuming. Our aim for each transaction is to make the process as straightforward and efficient as possible, and we take over the end to end process and deal with all parties so that you don’t have to.

We prefer to work with our panel solicitors who have extensive knowledge of transactions within pensions and know the way we and HMRC work. We have pre-agreed reports and lease documentation in place to simplify the conveyancing process and have negotiated a schedule of fees for each type of transaction. You may still use a solicitor of your choice but this involves more work for us and we reserve the right to charge higher fees.

We will review any proposals to establish whether they are pension compliant and where possible, to avoid incurring unnecessary fees if a transaction cannot go ahead.

We also have an experienced VAT team who will a deal with any VAT registrations and VAT returns required.

Something to keep in mind

Commercial property can be a less liquid investment and disposal of it may take longer than exchange traded investments. You should take this into account when considering a property investment and the need for liquid assets to pay retirement benefits as and when they fall due or additionally, during times when a property is unlet as insurance and business rates will still be payable.

Why us

  • Dedicated, experienced property and VAT team
  • Well versed in the intricacies of holding property within a pension scheme
  • We oversee a portfolio of c6,000 UK properties
  • We specialise in dealing with all administrative aspects of the life cycle of a property investment from purchase to sale
  • Competitive block insurance cover arranged via our broker, Hettle Andrews

About Embark Group

Embark Group is a fast growing, diversified, financial services business and one of the largest full-scale retirement solutions providers in the UK. We operate successfully in both the advised and institutional areas of the retirement market and power some of the UK’s largest retail financial services businesses. You can find out more information at the Embark Group website or download our Group Due Diligence guide.

£34.6bn↑

Assets under admin

100%

Independent

402,000

Individual clients

9

Locations nationwide

*Figures are pro-forma and include the recent acquisition of Alliance Trust Savings. All figures as at 1 July 2020.