You can't use the SIPP to buy a property overseas. Issues with trust ownership put paid to that particular idea.

Following major changes to pension legislation in April 2006 a SIPP may borrow 50% of the scheme's net fund value at the borrowing date.

Regarding SIPP providers, James Hay are not one I would recommend - I have had too many problems with clients SIPPs in the past. I am a UK registered IFA, so please feel free to PM me for advice.