YOUR BUSINESS SPRING 2019 - 215

I used my pensions to grow
my property business
Property investor Andy Tunstall shares his
business pension investment success story

Using my pensions to grow
my property business

ollowing redundancy in 2016,
may be. In Andy's case it was
property.
funds to beneﬁ
t from the returns oﬀered
Andy
Tunstall, property
investor
Andy Tunstall had a choice
"The process was very simple. I sat
by property investment, to allocate the
to make. He could either
down with Mike, explained what we
remaining money to property bond
source another position in the
wanted to achieve, completed a short
investments, which have generated me
corporate world or become a full-time
application form and the team at
between 7 and 12% annual returns.
property investorollowing
with his redundancy
wife. Of course,
Pension
it from
the best
of both
worlds,"
in 2016 The
AndyLandlord's
Tunstall had
a choicetook
to make.
Either he "I've
couldgot
source
another
position
in Andy
the
he chose property!
there, keeping
me
up to date
athis
every
stage
continues.
"My
business has had the cash
corporate world or become a full-time
property
investor
with
wife.
Of course,
he chose
property!
"We had my redundancy payment and
of the process."
injection it needed to get it oﬀ to a ﬂying
"We had my redundancy payment and savings but we really needed to raise further funds to progress our business to the next level" exsavings but we
really
needed
raiseencounterAndy
saysHolt
the of
main
aim of transferring
start,investors
combined
with
plained
Andy.
It was ato
chance
with Mike
The Landlord's
Pension at a property
meeting
thatcompletely
opened up a handswhole
further funds new
to progress
our business
was
toproperty
grow company
his business
oﬀ property investments generating an
world of opportunity
for Andy andhis
the pension
rapid growth
of his
ensued.
to the next level,"
says Andy. It was a
and also to have control over investment
attractive ﬁxed return, both of which will
"We had pensions that we weren't aware we could use before the age of 55, until we had the conversation with Mike. Our financial advichance encounter
with
Holttheofpossibility
decisions.
offrom
his concerns
was
the fact
more than I could
sors had
neverMike
mentioned
of using One
money
our pension
schemes
to investgrow
in ourmy
ownpension
business pot
or property".
The Landlord's Pension at a property
that his existing pensions were invested
have hoped for if I hadn't taken action."
As a director of his own limited company Andy was eligible for a SSAS (Small Self - Administered Scheme) Pension, a type of pension that
investors' meeting
that opened
a
in
equity
which that
he viewed
is very flexible
and allowsup
investment
in your
own markets,
business, whatever
may be. InasAndy's case it was property.
whole new world of opportunity for Andy,
volatile and low yielding, particularly in
"The process was very simple. I sat down with Mike, explained what we wanted to achieve, completed
a short application
form and
"My business
has had
thethe
which resulted in the rapid growth of his
relation to the returns he felt he could
team at The Landlord's Pension took it from there, keeping me up to date at every stage of the process".
cash injection it needed"
property company.
make in both hands on and hands oﬀ
Andy had said that the main aim of him transferring his pension was to grow his business
"My wife and
I had pensions that we
property investments.
and also to have control over investment decisions. One of his concerns was the fact that
My business has had the
weren't aware we
could use before the age
"I decided to loan my company
his existing pensions were invested in equity markets which he viewed as volatile and
cash
injection
it needed
of 55 until we had
that conversation
from
newmake
SSAS
pension
Mike
Holt,
Operations
Director at The
low yielding,
particularly inwith
relation tomoney
the returns
he feltthe
he could
in both
hands on
Mike," says Andy.
"Our ﬁoffnancial
Landlord's Pension says: "When I met
and hands
propertyadvisers
investments. fund, which I used to acquire a property
had never mentioned
possibility
of money
within
mynew
business.
As I was
Andy he
was in within
the same
positionAs
asI many
"I decided the
to loan
my company
from the
SSAS pension
fund essentially
which I used to acquire
a property
my business.
was
using money from
our pension
a cash
buyer
the SSAS
loan,
I onpeople
we at The
TheSSAS
Landlord's
Pension
essentially
a cash schemes
buyer dueto
to the SSAS
loan
I was due
able totonegotiate
a 25%
discount
the property.
loan kick
started help.
our
company
and has
worked very well indeed.
I was to
limited
by HMRCarules
of the fund He
value
forhis
thiswife
strategy
as the
I wanted
invest in our own
business
or property."
was able
negotiate
25%to 50%
discount
and
hadand
the decided
drive and
plans
the remaining
benefit from the
offered by property investment, to allocate to
themake
remaining
money
to property
bond
investAs a director
of his funds
own to limited
on returns
the property.
a success
of their
property
business,
ments which have generated me between 7-12% annual returns".
company, Andy was eligible for
"The SSAS loan kick-started our
but needed the cash boost to realise these
"I've got the
best of both worlds" saidcompany
Andy. "My business
has worked
had the cash
injection
to get it off
to a flying
startthat
combined
an SSAS (small
self-administered
and has
very
well it needed
aspirations.
I was
so glad
I waswith
in a
completely
handsof
off property
generating
an attractive
fixed return,
both
will grow
pension
more than
I could
scheme) pension,
a type
pensioninvestments
indeed.
I was limited
by HMRC
rules
toof which
position
to my
help
thempot
achieve
their
goals
have hoped for if I hadn't taken action" .
that is very ﬂexible and allows investment
50% of the fund value for this strategy
and provide them with the means to secure
Holt, Operations
Director
Landlord's
Pension
I met Andy he was
in ﬁ
the
same position
as many people we at
in your own Mike
business,
whatever
thatat Theand
decided
as I confirmed
wanted "When
the remaining
their
nancial
futures."

Business Pension Investment Success Story

The Landlord's Pension help. He and his wife had the drive and the plans to make a success of their property business, but needed the
cash boost to realise these aspirations. I was so glad that I was in a position to help them achieve their goals and provide them with the
means to secure their financial futures".

Download your FREE exclusive business
pension guide to find out more:

www.TheLandlordsPension.co.uk/yourbusiness
0203 9078400
Property & Pension Experts
Est. 2004

"The best company to work with if you want to
invest your pension in property or business"

http://www.TheLandlordsPension.co.uk/yourbusiness

YOUR BUSINESS SPRING 2019

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