Congratulations to WealthCoach Toby Spanier and his wife, Kate, for clinching the SSAS Property Investor of the Year award for 2023! But what's the secret behind their success? In this episode, we delve into how they transformed a dilapidated, unmortgageable property into a thriving investment. Using their Small Self-Administered Scheme (SSAS) pension, Toby and Kate loaned money to their limited company, enabling the purchase and revitalisation of the property. With an interest-free loan from the local authority, they refurbished the property and, once let out, funnelled the income back to their company. The Spaniers' journey is not just a tale of financial gain but a blueprint for leveraging SSAS pensions for property investment. They share insights on the flexibility and tax benefits of SSAS pensions, underscoring the importance of thorough due diligence and strong partnerships in establishing a successful family wealth business. Their story offers invaluable lessons for anyone interested in exploring the potential of pension-led property investment, demonstrating the impactful combination of strategic financial planning and entrepreneurial vision.