All You Need To Know About SIPP And SSAS Lending

Whether you lend your money backed with the security of residential or commercial property, or you lend to business, you could earn substantial interest for your SIPP or SSAS.

Ever Heard Of A Poor Banker?

Thought not! 

So, if banking is profitable, shouldn’t you consider doing it with your SIPP or SSAS?

Three Ways To Lend Money From Your SIPP Or SSAS

loan-opportunities

1. Loan Opportunities

If you’re looking for high interest, asset-backed investments to form a valuable part of a well diversified investment portfolio, we can introduce you directly to investment promoters.

Loan Opportunities

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2. Peer-To-Peer Lending

If you lend your SIPP or SSAS money on a peer-to-peer platform, not only will your loan interest be tax-free, you may also find your returns could be more predictable than the volatility of stockmarket investment. 

Peer-To-Peer Lending

third-party-lending

3. Third Party Lending

There will be business people in your networks who you know and trust, who'll be willing to pay you a high fixed interest rate in return for a SIPP or SSAS loan, as you can see below.


Third Party Lending Is HMRC Approved

Just like a bank, your SIPP or SSAS is permitted by HMRC to grant loans.  Essentially, you lend your money to individuals and businesses in return for a rate of interest.  The money is paid into your SIPP or SSAS, tax free, to grow your fund to enable you to retire in comfort.

As traditional lending sources are less forthcoming these days, businesses are often willing to pay a higher interest rate to raise the money they require.  That’s great for your SIPP or SSAS. 

It’s A Very Simple Process

You and the business negotiate terms that suit you both.  This includes the interest rate, when the loan is repaid and what additional security is available to protect your money.  The paperwork is completed and your SIPP or SSAS operator releases money from your SIPP or SSAS.  Within a matter of weeks, the deal is done.

It Can Be Really Profitable

If you’re lending to experienced property developers, you could be paid an interest rate of about 7% to 10%.  If you lend to businesses, you could earn 12% or more.  That’s significantly higher than average stockmarket growth in recent years, though just like stockmarket investment, lending money is not without risk.

Discover How To Generate High Interest Granting SIPP Or SSAS Loans

To discover detailed information about earning interest through lending money from your SIPP or SSAS, please login to SIPPclub Gold.  Once you've logged in, when you return to this page, you’ll find all the information waiting for you.

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As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment is right for you.  Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence.  If you need advice, you should speak to your trusted adviser, or you could find a local adviser from Unbiased.co.uk.  Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.