Loan Amount: £245,000
Purpose: Refinance existing SIPP debt
Security: Two investment properties held within a pension scheme

The Challenge

The client required refinancing of an existing SIPP-held facility that was both costly and approaching the end of its term. Although the loan size was modest, the structure added complexity, requiring specialist knowledge of pension-backed lending and the wider market.

The Solution

2XL Commercial Finance arranged a £245,000 commercial mortgage secured against two long-term investment properties held within the client’s pension scheme. The new facility was used to repay the existing debt, providing a more suitable and cost-effective solution aligned with the client’s long-term investment strategy.

Thanks to extensive experience in SIPP and SASS funding, 2XL was able to take the case confidently to market and identify lenders comfortable with the structure.

The Result

• Existing high-cost facility successfully refinanced
• Improved long-term funding position
• Pension-held assets retained as long-term investments
• Specialist guidance provided throughout a complex process

What 2XL Says

“We see a high volume of enquiries of this nature due to our long-standing experience with SASS and SIPP funding. Clients and pension fund administrators often come to us for guidance when navigating this type of finance.”
— Darren Willoughby, Managing Director

Client Feedback

“I couldn’t be happier with 2XL Commercial Finance and Darren who dealt with my SIPP refinancing. Not an easy thing to do, the loan was not huge, but Darren went professionally to the market with some interesting and successful results.”