The Tax Maths of Pension Property

Relief, growth and the genuine advantages, with the limits

This numbers book shows you whether a pension property plan actually works. It explains the figures that decide it: tax relief on the way in, gross roll-up inside the pension, the borrowing limit, the access age and the estate position, including a coming change. You will learn where to find reliable data for free, from your own pension paperwork to commercial rent and yield evidence, official sources and independent valuation. The book tests the claim that rent arrives tax-free by starting from achieved rent and removing income the pension does not truly receive. The cost chapter covers establishing and running the scheme, buying the property, borrowing and VAT, and ongoing property costs. The plan is stress-tested for a long commercial void, a tenant that is your own business, a rate rise and the quiet risk of liquidity. A complete worked example follows one plan from start to finish, and the final chapter gives you a calculator and the questions arithmetic cannot answer. Next in this series: “SSAS, SIPP Rules and Prohibited Property”.

What’s inside

• The only numbers that actually matter
• Where to find reliable data for free
• Working out true income, not optimistic income
• The full cost stack nobody mentions
• Stress-testing for the void, the empty month and the rate rise
• A complete worked example, start to finish
• Your deal calculator, and the legal questions it cannot answer

Educational material only, not financial, legal or tax advice. Results are not typical and are not a guarantee of income. Freedom Property Academy LTD, registered in England and Wales.