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Case study: Matcham Property Investments Wiltshire

Category: IFAs

Our client, Tim Matcham, is a property investor, who runs Matcham Property Investments Ltd with his wife Vikki in Wiltshire. He was introduced to Hartsfield through the Property Investors’ Network.

The issue

Tim is a successful Wiltshire property developer, who wanted to turn what had been a part-time interest into a formal business. Hartsfield Financial Services were recommended to Tim through the Property Investors’ Network, which is a network of support and advice groups for property investors.
As well as wanting to set up a company, Tim wanted to source investment capital to extend his property portfolio.

The solution

We looked at Tim and Vikki’s existing pensions arrangements. Tim had a SIPP – a self-invested personal pension. Once Matcham Property Investments had been set up, we were able to close the SIPP and use the funds to set up a SSAS – a small self-administered scheme, only available to owners or directors of limited companies.
Once the funds were in a SSAS pension, we were able to then look into the pension making a loan to Matcham Property Investments. The benefit of a loan from a SSAS pension is the interest is then paid back into the pension, as a commercial rate.
We had to use security for the loan, which we were able to do by using the value of the company’s intellectual property – IP. And to demonstrate that the IP was robust enough to stand as security for the loan, we helped Tim devise a strong business plan, showing the projected value of the IP.

The outcome

Tim and Vikki were able to set up a company – Matcham Property Investments – to formalise their property portfolio. They sourced investment through their SSAS pension, which has the advantage of interest payments going back into the pension rather than to a third party lender. By trademarking the company, writing a strong business plan and harnessing the value of the IP, we were able to secure the necessary funding. And, of course, Matcham Property Investment’s portfolio has grown!

Tim said: “Hartsfield really helped with my business plan and held my hand through the process of being able to release the funds necessary to achieve what I wanted to achieve.”

Need More Advice?

For more information about SSAS pensions, or advice on business planning, please get in touch here with the team at Hartsfield.

Check out these FREE Guides Here which set out the basics of business financial planning and areas to consider.

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