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Fergus McDiarmid
PartnerAs head of Scotland’s largest dedicated Property in Pensions team, Fergus is widely recognised as a market leader in SIPP and SSAS real estate, advising the majority of the UK’s top pension providers on high-volume, high-value transactions.
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Emma Carmichael-Stewart
Legal DirectorEmma combines her commercial property and energy sector expertise to support complex pension-backed real estate deals, contributing to MFMac’s reputation as one of Scotland’s most experienced legal teams in this space.
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Lisa Blackwood
Senior AssociateLisa is a senior associate with standout experience in SIPP and SSAS transactions, acting for a wide range of pension providers, landlords and investors across Scotland’s commercial property market.
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Yana Dychakovska
Senior ParalegalYana is known for her precision and proactive support in managing complex commercial property transactions for SIPP and SSAS providers.
Property in Pensions
Our Property in Pensions team is the largest, most dedicated of its kind in Scotland with unrivalled experience in relation to SIPP and SSAS real estate.
The go-to legal team for pension-backed property deals
We complete hundreds of pension real estate transactions every year, acting for many of the UK’s leading SIPP and SSAS commercial property providers. Several of these providers appoint us exclusively, trusting us to deliver fast, accurate and commercially focused advice.
Our team advises on every stage of the property lifecycle—buying, managing and selling commercial assets through pension structures. We understand the regulatory landscape, the commercial pressures and the need to get deals done without delay.
Built for the pace and complexity of the SIPP and SSAS market
We’re not just legal advisers—we’re strategic partners. Our team supports pension providers with the setup and evolution of their legal frameworks, including:
- Scalable, compliant documentation
- Bespoke case management systems
- Advice on the most effective legal vehicles and structures
As active members of AMPS and a Legal 500-ranked real estate team, we combine technical strength with deep sector insight. We know what matters to your clients and we deliver advice that helps you move quickly, manage risk and stay ahead of change.
Our property in pensions experts
With a cross-disciplinary team, our legal offering is agile enough to handle any real estate deal.
Case study: Expanding a Commercial Property Investment Portfolio
MFMac’s Real Estate Sector Group has supported a family-owned client in scaling its commercial property investment portfolio through a series of high-value, retail-led acquisitions.
Our advice has combined strategic structuring, accelerated delivery and ongoing asset management aligned with the client’s long-term objectives.
Case study: Sale of Henry Duncan House, 120 George Street, Edinburgh
MFMac advised on the sale of Henry Duncan House, a landmark office building on Edinburgh’s George Street, completing within a four-week timetable. The transaction was delivered on schedule, reflecting MFMac’s ability to manage complex, fast‑paced investment deals with strong commercial focus and client service.
Can Scotland’s Community Right to Buy deliver on its promise?
Five years on from its introduction, Scotland’s Community Right to Buy remains an ambitious land reform power that is still searching for real traction.
Case Study: Aberdeen's Kingshill Park – A confident step forward in commercial investment
MFMac was pleased to recently advise long-standing clients HKIP (Kingshill) Ltd, a joint venture between Hamilton Kelly Investment Partners (HKIP) and Revcap, on a landmark transaction that reflects renewed confidence in Aberdeen’s commercial property market. HKIP, a Glasgow-based property company with a strong track record in UK-wide investment and asset management, partnered with Revcap, a European private equity real estate firm known for backing regional growth opportunities.