Self-Invested Personal Pension: Investing For Your Future

Now you can invest through a Self-Invested Personal Pension. This is provided in partnership with Morgan Lloyd: a regulated SIPP provider.

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 Self-Invested Personal Pension (SIPP)?

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

A Self-Invested Personal Pension (SIPP) is a self-selected pension scheme through a regulated SIPP provider.

Your SIPP (or SSAS) enjoys some really attractive tax benefits. As you would expect, HMRC regulates these types of pensions to ensure that the tax advantages aren’t abused.

When considering any type of loan (either directly or indirectly) it is therefore important that you are aware of two key restrictions that form part of the HMRC regulations:

  1. It is not permissible for your SIPP (or SSAS) to invest in any loan where you are connected to the borrower (connected in this context means a family member, a fellow director/shareholder of your business or a company over which you have control). For example, the SIPP invests in a loan where the borrower is the SIPP member’s brother.
  2. It is not permissible to invest in any loan where the borrower is an individual or set of individuals where the lending is for residential property investment/development and this is not their normal course of business. For example, the borrower is acquiring a loan to add an extension to his personal residential property. However, if the borrower was an individual or partnership whose normal course of business was the development of property, then this would be permissible. Where the borrowing is associated with commercial property acquisition/development, then no such restriction applies.

Failure to follow these rules will result in severe tax penalties being imposed of up to 70% of your investment. If you have any concerns or questions, please contact your pension provider.

Join Now to Setup Your SIPP

Reasons To Invest Via A SIPP

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 SIPP provider, so it is probably not worthwhile setting up a SIPP 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 SIPP, but our SIPP provision partner Morgan Lloyd will do so directly.

Complete this easy step by step process to get signed up

We have partnered with Morgan Lloyd to provide regulated adminstration of SIPP investors and their investments.

If you have not already done so, open your account with The House Crowd.
In your member profile, enquire through the SIPP Profile area. Our SIPP provision partners Morgan Lloyd will be informed of your enquiry and will be in touch.
Once your SIPP is registered by HMRC, it can begin taking contributions and you can start to make permitted investments. Morgan Lloyd will make your balance available to invest in our products through a dedicated 'SIPP wallet'.

Which House Crowd Products can you invest in via a SIPP?

You may use your SIPP to invest in the following House Crowd investment types:

Peer To Peer Bridging Loans

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


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

Applicable SIPP Administration Fees

The scale and schedule of fees or charges will be discussed directly between the SIPP provider (Morgan Lloyd) and you. The House Crowd will neither deduct any fees nor send any fees to the SIPP provider on your behalf. Fixed fees are possible.

Disclaimer and Risk Warning

This web-page does not constitute a recommendation for Morgan Lloyd or for SIPP arrangements in general. If in doubt, seek financial advice.

The House Crowd is not a SIPP provider. Your SIPP will be administered by our SIPP provision partner, Morgan Lloyd.

You should always read the Risk Warnings for each investment type you are considering holding in your SIPP 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.