94% of property investors and 81% of financial advisers think residential property should be allowed in a pension wrapper1
Our residential property funds offer exposure to this valuable asset-class in a pension-eligible REIT investment, giving you the option to diversify your retirement portfolio without the hassle of owning property directly
Existing pension savers and their advisers frustrated by the inability to include residential property in their portfolio directly, but keen to take advantage of pension tax reliefs
Buy-to-let landlords looking to exchange property investments for a more liquid, pension-eligible alternative providing diversified exposure in a more convenient lot size
Potential property investors looking to the long-term but put-off by the hassle of direct ownership, the need to manage rental voids, the raft of tax changes and growing costs
UK residential property has been one of the best performing asset classes in the last twenty years, while correlations and performance volatility have typically been lower than equities.
Investment in residential property can provide a good way to diversify your pension portfolio, and is a hassle-free and tax-efficient alternative to buy-to-let investment. By investing in UK residential property via a REIT you can fine-tune your exposure to suit your goals and risk-profile, without personal and corporation tax on gains or income.
Bricklane.com operates a number of funds, and pension investors can currently purchase the “Regional Capitals” fund for their self invested personal pension (SIPP). In its first year (Sep '16 – Sep '17), the fund returned 8.7%,2 through a combination of rental income and capital growth, and allows investors to gain exposure to a portfolio of expertly-chosen properties across Leeds, Manchester and Birmingham.
Getting residential property exposure into your pension is a straightforward process. Our Regional Capitals fund is currently eligible for inclusion in a Self Invested Personal Pension (SIPP), and we expect our London fund will be shortly.
SIPP minimum investment: £10,000
SIPP Administration fee
As with all personal pensions, there are annual fees chargeable by the pension administrator which cover the day-to-day administration of your SIPP, including collecting pension contributions, claiming tax relief, providing valuation services, and completing all HMRC and FCA reporting to maintain the tax efficiency of your pension.
For investments with Bricklane.com of £25,000 or over, no pension administration fees are payable for the Hartley “Abacus” SIPP wrapper. (Terms and conditions apply).
For customers investing less than £25,000 with Bricklane.com, Hartley Pensions offers transparent and highly competitive flat-rate fees on its pension wrappers from £175+VAT. Full details are available at the Hartley Pensions website.