Anyone borrowed money to purchase commercial property in a SIPP ?

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I know you can borrow 50% of the pension fund value but does that mean a maximum of a 50% mortgage or could you leave some of the fund in shares but count it towards the 50% ?

i.e. 50k cash, 150k shares, borrow 100k on a 120k property - is that ok ? or do you have to put up 50% of the commercial property value ?

JOHNGT

Is the pension fund buying the commercial property?

If your pension fund had £50K cash and £150K shares, your fund is £200K total. Your pension fund can then borrow £100K which let's say goes into cash (a SIPP or SSAS bank account).

Your pension fund now has £150K cash and £150K shares. Your pension fund can then invest £120K of the cash to buy a whole or part share in a commercial property. This will leave £30K cash over to pay administration fees, valuation fees, solicitors fees etc associated with the property purchase