Case Study – How to Buy Commercial Property Using a SSAS Pension
In this episode of WealthTalk, Christian Rodwell, Membership Director at WealthBuilders, is joined by Toby Spanier — a WealthBuilders member turned wealth coach. Toby shares his journey of using his SSAS pension as a funding tool to acquire commercial properties. The discussion explores how a SSAS can provide unique advantages in property investment, such as purchasing properties that banks won’t finance, identifying hidden value, and collaborating on larger deals. Toby also shares real-world case studies showing how he transformed overlooked buildings into income-generating assets and secured properties at discounted prices by acting as a cash buyer through his SSAS.
WealthTalk - money, wealth and personal finance. · Toby Spanier, Christian Rodwell, Kevin Whelan
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Show Notes
In this episode, Christian is joined by WealthBuilders member and wealth coach Toby Spanier, who shares three powerful case studies of commercial properties he purchased using his SSAS pension.
Toby reveals how he found and structured each deal, why a SSAS gave him a unique advantage over traditional financing, and how he created both income and tax-free capital growth within his pension.
If you’ve ever wondered how a SSAS can be used to fund commercial property — even when banks won’t lend — this episode will give you clear, practical insights to apply on your own wealth-building journey.
What You’ll Learn in This Episode:
- How Toby used his SSAS to buy three very different commercial properties.
- Why being a SSAS cash buyer can unlock discounts and opportunities others miss.
- How planning permission and smart structuring created significant tax-free uplifts.
- The differences between buying property inside vs. outside a SSAS.
- How collaborating with other SSAS investors can make bigger deals possible.
- Practical lessons to avoid common pitfalls when investing through a pension.
Links & Resources Mentioned in This Episode:
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