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Pension Pot Properties

The governments new pension freedoms' has allowed for greater flexibility over what you can do with your pension pot on retirement.

With the ability to withdraw your pension as a lump sum, allowing you to take up to 25% of your pension tax free, now is the time to consider where to invest your pension pot as an alternative to traditional contribution pensions.

With the property market in Scotland remaining strong and house prices increasing as the demand for good quality houses and buy-to-let property grows, CKD Galbraith believes the Scottish property market offers a sound investment opportunity.

John Bound, partner at CKD Galbraith, said:

"Property has been one of the most common types of investment and represents a very sound choice right now as the property market has shown positive growth over the past few years. Buying property to sell for a profit at a later stage or to let for additional income is a sensible investment for the long term and investors will reap the rewards if they sell when the market is on the up."

Shirley Kenyon, head of lettings at CKD Galbraith, offers some advice for those considering the buy-to-let route:

"Buy-to-let property investments are more tangible than stocks and shares and a good long term choice for those looking to invest a lump sum. We speak to a lot of potential investors who understand it is a different situation from owning your own home and can be wary of the prospect of becoming a landlord. It's a big commitment but one which, if done with the correct advice, can provide additional income and a decent profit if the property is sold when the market is healthy."

CKD Galbraith has a number of fantastic properties for sale across Scotland if the property market is your pension investment avenue of choice:


Loch Ness View Cottage in Inverness is an exceptional three bedroom property with the opportunity to develop the additional land available. The property enjoys an elevated location with outstanding views over Loch Ness and yet all the attractions and facilities of Inverness only six miles away. Loch Ness View has an easily managed garden and is currently used as a very successful holiday let; it provides the perfect property for those looking to invest in a property with development opportunities or as a buy-to-let.

Loch Ness View Cottage is currently on the market for offers over 330, 000. 


The Post House in Kingussie is currently used as a holiday let but also includes owner accommodation so offers buyers a potential new business venture as well as a beautiful home. This converted post office, dating back to 1909, has been fully renovated to create an outstanding family home with many of the period features retained. The Post House is also ideally situated for access to amenities and activities within the Cairngorms National Park.

The Post House is currently on the market for offers over 450,000.


Tigh A Cnoc is the ideal highland retreat and is also currently used as a popular holiday let. Located in the hamlet of Port Henderson on the west coast of Scotland, the two bedroom property benefits from the most spectacular views over Loch Gairloch and Longa Island. Tigh A Cnoc's reasonable price and idyllic location means that it would be a sound investment that would pay dividends if it continued to be used as a holiday let. 

Tigh A Cnoc is currently on the market for offers over 205,000.


9 Riverside Drive lies close to the River Tweed on the eastern edge of the popular Borders town of Kelso. Kelso is a great place to raise children and family homes such as this should let well. The house enjoys a peaceful, yet accessible, location in a modern residential development and would make the ideal buy-to-let with many young professionals and families looking to rent in the area. The Borders property market will benefit from the reopening of the rail link with Edinburgh- due in September.

9 Riverside Drive is available for a guide price of 285,000. 


Woodside Cottage is a delightful traditional two bedroom stone built cottage in Aberdeenshire. Aberdeen continues to be one of the countries hot spots with good quality affordable property much sought after. Woodside Cottage offers uninterrupted views across Strathdon and would be ideal as a highland bolt home and investment property.

Woodside Cottage is available for a guide price of 190,000.

For further information on investing in property please contact CKD Galbraith's Inverness office on tel: 01463 224343. To speak to an experienced agent about buy-to-let options please contact the firm's Stirling office on tel: 01786 434600.