SSAS Pension – Investing For Your Future

Are you a company director? Now you can invest in our products via your pension scheme. A great tax-efficient way to plan for your retirement.

ssas background

*Legal charge secured against UK property, however property values can go down as well as up so your capital is at risk and rates are also not guaranteed. Investments are illiquid so you are committed for the full period of the loan, which may be delayed. Not covered by the Financial Services Compensation Scheme (FSCS). Please read our full risk warning.

What is a Small Self Administered Scheme?

Investing in our products via a pension is a great tax efficient way to build for your retirement.

At present we are only able to accept investments from a SSAS pension though we hope this situation will change over the next 12 months. If you are not familiar with a SSAS here is a summary and guidance as to how to set one up.

Who can use a SSAS pension?

A Small Self-Administered Scheme (SSAS) is a self-invested occupational pension scheme established by limited companies (partnerships in some exceptions) usually for its directors, senior employees and family members.

These plans are set up by directors of a business because they want more control over the investment decisions relating to their pensions and in particular, to use their pension plans to invest in the business. As such, it is normal for each member of the SSAS to be a trustee. So, these types of pension schemes are becoming increasingly popular to their users because they are among the most flexible available in the UK.

Start a SSAS Investment Now

Reasons to Invest in our SSAS Pension Scheme

Tax advantages

  • No tax on income, other than equity dividends
  • The ability to reclaim some tax deducted at source of income
  • No tax on capital gains

Tax relief and lump sum benefits

Contributions should attract tax relief, and lump sum benefits payable on death and at retirement are usually free of all taxes (including inheritance tax on lump sums payable on death)

How to Invest

Minimum sums you can invest

There is no minimum investment but fees will be charged by the SSAS provider, so it is probably not worthwhile setting up a SSAS unless you have at least £50,000 to invest.

The House Crowd will not deduct any fees from the returns quoted for any investment made through a SSAS.

Complete this easy step by step process to get signed up

You are of course free to set up a SSAS with any provider you choose, but not all will be familiar with our product and may not permit them. Several of our clients use The Whitehall Group. If you would like to use them this is what you need to do.

If you have not already done so, open your account with The House Crowd
Contact The Whitehall Group to discuss your exact requirements in order to, for example:
  • Establish / set up a new SSAS
  • Take over a SSAS where the scheme has no professional Scheme Administrator.
Once agreed, the client has to complete Whitehall’s application forms, a trust deed and bank application form. These have to be signed by all members of the scheme who must also be Trustees.
When SSAS is registered by HMRC, the scheme can begin taking contributions and you can start to make permitted investments.

For more Information, please contact The Whitehall Group:

If you choose to use any other provider, please contact the provider to learn more.

What House Crowd Products can you invest in via a SSAS?

You may only use a SSAS to invest in the following products.

Peer To Peer Bridging Loans

Loans provided the SSAS and any connected parties can only participate in a maximum of 9.99% of the loan.

Peer to Peer Property Development Loans

Loans secured against commercial property are permitted. Where the loan is secured against residential property, the SSAS and any connected parties can only participate in a maximum of 9.99% of the loan.


Auto-Invest Product where your funds will automatically be diversified over a wide range of peer to peer bridging and development finance loans.

Fees Charged

The scale of fees or charges should be discussed between the SSAS administrator (The Whitehall Group) and the client as the sum is dependent upon the service required. Fixed fees are possible.

Fees can be paid by the SSAS scheme itself or by the company. If fees are paid by the customers’ company they may qualify as a tax-relievable business expense, so they can be deducted against Corporation Tax. VAT can also be reclaimed.

Terms & Conditions

To be confirmed and agreed upon individually with The Whitehall Group or whichever provider you decide to use.

The House Crowd will not deduct any fees from the returns quoted for any investment made through a SSAS.

Disclaimer and Risk Warning

This web-page does not constitute a recommendation for The Whitehall Group or for SSAS arrangements in general. If in doubt, seek financial advice.

The House Crowd is not a SSAS provider. The trustees of the scheme (whether that is you or professional trustees acting on your behalf) retain responsibility for investment decisions and for ensuring that the investments are eligible for the SSAS.

You should always read the Risk Warnings for each investment type you are considering holding in your SSAS and think about how they would affect your retirement planning e.g. if there was a delay in assessing part of your funds upon retirement because a loan or series of loans was late in repaying.