Why Pension Property?

One of the key features of self-administered pensions is the ability to identify and buy specific property.

Here is a list of the top 8 reasons why we believe investors choose property as part of their investment strategy:

1. You choose the property you wish to purchase. It can be residential or commercial.
2. Rental income is good long-term retirement income.
3. Tax relief on the monies used for the purchase increases the amount you can spend.
4. Rental income in the pension is tax free.
5. No need to worry about income tax returns on the property.
6. Non-recourse borrowing can be available.
7. There is no capital gains tax on sale.
8. Consistent rental income eases the worry of running out of money in retirement.

Pension property represents a unique opportunity to gain control of your retirement fund and to use your own knowledge to enhance the value of that fund, augmented by powerful tax reliefs.

On retirement, you can take 25% of the value of the pension fund as a lump sum, of which up to €200,000 is tax free. While drawdowns from your pension are subject to income tax, it may be that in retirement the income tax will be at a lower rate than the rate you paid while working.

Rental income can be a reliable source of income long into retirement. 

Download our application here

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Property Management Panel

In order to purchase pension property, it is a requirement of the Revenue Commissioners that the property be properly managed. To that end, we have created a Property Management Panel, where you can choose your property agent. The property agent must be selected from this panel. View our panel here.

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Why PensionProperty.ie?

With a view to making pension property easier, we have developed a series of arrangements and procedures to ensure the process is as smooth and as straightforward as possible. A key feature is the overall comprehensive level of service throughout all stages of the purchase.

PensionProperty.ie can facilitate purchases in Ireland and the UK.

For further information, please speak to your financial advisor.

The above is based on current Revenue law and practice which is subject to change.