Now you can invest through a Self-Invested Personal Pension. This is provided in partnership with Morgan Lloyd: a regulated SIPP provider.
*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.
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:
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.
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.
We have partnered with Morgan Lloyd to provide regulated adminstration of SIPP investors and their investments.
You may use your SIPP to invest in the following House Crowd investment types:
Loans provided the SIPP and any connected parties can only participate in a maximum of 9.99% of the loan.
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.
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.
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.