Pension Loan Expert
About Us
Whether you are based in the UK or living overseas we specialise in helping clients explore ways to raise business funding using pension related strategies where appropriate.
We also offer QROPS repatriation services to global expatriates wishing to move their overseas pension funds back to a UK HMRC approved jurisdiction.
Every situation is different which is why we take the time to understand your objectives and financial position before recommending a solution.
Our goal is to help you secure the funding you need while ensuring your long term retirement interests remain protected.
Did your Accountant set you up a SSAS (Small Self Administered Pension Scheme) when times were good? Now times are not so good, it may be possible to ask your SSAS to loan you 50% of its value, to help you and your business survive and move forward. With a SSAS loan there is no bank manager asking you to jump through hoops because basically, the SSAS is your own bank account and you make all the lending decisions. ● No credit searches! ● Unlimited bad credit accepted including bankruptcy! ● Make interest payments yearly! ● 5 year initial loan term which can be extended! ● Low interest rate generally 1-2% above Bank of England base rate! ● A loan from your SSAS is fully confidential and will not be registered on your credit file! ● Loan funds available within 21 working days! NO SSAS PENSION BUT YOU HAVE OTHER TYPES OF PENSION FUNDS! If you do not have a SSAS pension fund but you have other pensions listed below, then these can be consolidated into a new SSAS pension, and loaned against in the same way. Do you have a SIPP (Self Administered Personal Pension) PP (Personal Pension) SERPS (State Earnings Related Pension Scheme) FCPS (Frozen Company Pension Scheme) FSPS (Final Salary Pension Scheme Up To £30,000 In Value) QROPS (Qualifying Recognised Overseas Pension Scheme)
BLACK & WHITE
BUSINESS FUNDING
A Straight Answer Without Endless Delays Unlike many lenders and intermediaries who leave applicants waiting for weeks without clarity, we assess every enquiry individually and provide a clear, honest lending decision. If your circumstances meet the required criteria, we'll tell you. If they don't, we'll tell you that too. We believe in transparency from the very beginning, allowing you to move forward with confidence rather than uncertainty. No Upfront Fees No Cancellation Charges Trust is earned through honesty. That's why Pension Loan Expert never charges upfront application fees or cancellation fees. You won't be asked to pay simply to discover whether your case is suitable. Our focus is on delivering genuine value and building long-term relationships through transparent, professional service.
Funding in Weeks & Not Months When the right structure and eligibility criteria are in place, funding can often be arranged in a matter of weeks rather than months. From your initial assessment, we provide a realistic funding timeline so you understand exactly what to expect throughout the process. We pride ourselves on efficient case management and regular communication, helping you access funding as quickly as circumstances allow. Helping You Avoid Unnecessary HMRC Tax Penalties Accessing pension benefits incorrectly before the minimum normal pension age can result in significant tax consequences. We work with compliant pension solutions designed to help ensure clients do not inadvertently trigger unauthorised payment tax charges or other HMRC penalties associated with unlawful pre-age 55 pension access. Protecting your pension is just as important as helping you achieve your funding goals, and compliance remains at the heart of everything we do.
Why Choose Pension Loan Expert? Over 15 years of international pension funding experience-Specialists supporting both UK residents and expatriates-Individual assessment with a clear yes-or-no lending decision-No upfront fees or cancellation charges-Funding available in weeks, where appropriate-Guidance designed to help avoid unnecessary HMRC pension tax penalties-Expertise in QROPS repatriation for returning expatriates-A genuine face-to-face service backed by experienced professionals. At Pension Loan Expert, we're committed to combining experience, integrity and personal service to help our clients access funding confidently, compliantly and without unnecessary delays. Experience & Expertise At Pension Loan Expert, we believe that every client deserves honest advice, a straightforward answer, and a funding solution tailored to their individual circumstances. For more than 15 years, we have helped both UK residents and expatriates access pension-backed business funding through compliant, carefully assessed solutions. Our experience spans the United Kingdom, Czech Republic, Spain and Thailand, giving us a deep understanding of the unique challenges faced by business owners and individuals living and working internationally
SSAS Pension Loans
Before we talk about the benefits to you and your business of a HMRC approved SSAS loan - lets discuss what a SSAS (Small Self-Administered Scheme) actually is!
A SSAS is a special type of pension scheme set up by a business, usually for the company directors or key employees.
But here’s the important bit:
It’s not just a regular pension — it gives you more control and flexibility over how your pension money is used and invested.
Think of a SSAS like a personalised pension pot for your business. It still helps you save for retirement, but it can also do more: ● ✅ Lend money to your own business ● ✅ Invest in commercial property ● ✅ Buy shares in your company ● ✅ Pool pensions with other directors or family members ● ✅ Grow your funds in a tax-efficient way Why do people use SSAS? Because it lets you use your pension to help your business, while still planning for retirement. For example, if your business needs cash, your SSAS can legally lend money to your company — all within HMRC rules. Key Features: ● Run by trustees (often you and your fellow directors) ● HMRC-approved ● Offers more investment options than standard pensions ● Can lend up to 50% of the value back to your business ● Tax benefits still apply Is it right for me? If you're a business owner with an existing pension (or several small ones), a SSAS could give you the freedom to take control of your finances and use your pension more proactively. ✅ What Is a SSAS Loan? A SSAS loan lets a business owner borrow money from their own pension — but only if they have set up a SSAS pension scheme. So, if you’ve moved your pension into a SSAS, you can use up to 50% of the total value to lend money to your own business (like a business loan), as long as certain rules are followed.
🔑 How Does It Work? 1. Set up a SSAS – You transfer existing pensions into a Small Self-Administered Scheme. 2. Check the value – Let’s say your SSAS is worth £200,000 — you can borrow up to 50%, which is £100,000. 3. Your company borrows the money – The SSAS lends the money to your limited company, not to you personally. 4. Use the funds – Your business can use the money for things like cash flow, debt repayment, stock purchase, or growth. 5. Repay the loan – Your business pays the SSAS back with interest, over a maximum of 5 years. ⚖️ What Are the Legal Rules? (According to HMRC) To keep the SSAS loan legal and tax-compliant, HMRC has strict rules: 1. Loan limit ● You can borrow up to 50% of the SSAS value (including any property or investments held in the scheme). 2. Maximum loan term ● The loan must be repaid within 5 years. 3. Interest ● The business must pay a minimum interest rate, usually around 1% above the Bank of England base rate (this makes sure the pension scheme earns something).
4. Security ● The loan must be secured against an asset — like property or equipment — to protect the pension scheme if your business can’t repay. 5. Capital & Interest ● Repayments must be made in equal yearly instalments — covering both capital and interest. 🚨 What Happens If the Rules Aren’t Followed? If the loan breaks HMRC rules (e.g. too much borrowed, repaid late, or no security), heavy tax penalties can apply — to the business and to the pension scheme. That’s why it’s important to have expert support when setting up and managing a SSAS loan. 🧠 Summary ● You can use your pension (via a SSAS) to lend money to your business. ● You must follow HMRC’s rules, or there are tax penalties. ● It’s a smart, legal way to unlock cash for your company — if done right.
Money For Nothing
Even if you never actually contributed any money to your UK pension scheme yourself that does not matter. You are still entitled to transfer any benefits that are in the scheme.
It is irrelevant that only your employer contributed and this is your money to use as you wish, with the right professional guidance.
One of our recent clients worked for a large insurance company for thirteen years called Britannic Assurance, who had a non contributory pension scheme. This meant that only Britannic made contributions to the pension scheme but employees did not have to. In the early 90’s Britannic Assurance closed its doors to new business, made all its sales force redundant and just kept on administration staff to service existing clients. Our client who had not paid a penny into the pension scheme requested a transfer out value which was £440,000. He was able to transfer the money out of Britannic and into an HMRC approved SSAS (Small Self Administered Pension Scheme, secure a loan and start a new life and business for himself abroad in the sun. You may have been a member of a similar scheme and could be sitting on £1,000s, which could give you the cash injection needed to kick start or save your business! It costs nothing to find out and you are under no obligation to transact any business with us.
Fees & Charges
At Pension Loan Expert we like to be open and transparent about fees, costs and charges.
Below is a breakdown of all costs and ongoing fees should you decide that a SSAS loan or QROPS Repatriation is the right path for you and your business, and that we are the right company to assist you.
We like to keep things straightforward so we have two basic costs within this transaction. ESTABLISHMENT FEE This is a one off charge for setting up the whole project from application to payment of your 50% SSAS Loan or QROPS Repatriation, which may be a completely new SSAS set up and transfer in of existing pension benefits, or an existing HMRC approved administrator take over of your existing SSAS. This one off fee is 5% of your gross pension fund value and is only payable upon successful completion. We do not charge up front consultation fees and you can cancel at any time without charge! YEARLY ADMINISTRATION FEE For looking after your SSAS interests our HMRC approved and registered pension scheme administrator will charge a flat £495.00 per year fixed fee, with an initial five years paid in advance. EXAMPLE £100,000.00 pension fund value would generate initial charges of £5,000.00 establishment fee plus £2,475.00 pension scheme administration fees to cover the first initial five years. After the first five years administration fees are paid yearly in advance at £495.00. FINANCIAL ADVICE FEE Unless you are a Sophisticated Investor or High Net Worth Client making your own investment decisions, you will need to appoint an FCA regulated Financial Advisor. After your initial 50% SSAS Loan and fees are paid out you will have your remaining fund left to invest. We request you leave 5% of your fund on account in cash to cover future fees. This stops the need for early disinvestment to cover fees and potential early encashment losses.
When choosing a Financial Advisor always ask about their fee structure especially if you have a large remaining fund to invest. We do not offer financial advice and we are not FCA regulated, and we also do not recommend Financial Advisors. We offer free information on SSAS Loans and QROPS Repatriation only, and are not required to be regulated by the Financial Conduct Authority for our core business products. You will find a list of regulated Financial Advisors on the FCA website www.fca.org.uk
ANY QUESTIONS GET IN TOUCH FOR FURTHER CLARIFICATION ON FEES, COSTS & CHARGES!
Client Feedback
I had a frozen non contributory ex company pension scheme. Pension Loan Expert transferred the benefits into a SSAS and arranged me a 50% SSAS loan. I used the funds to relocate from the UK to Manila and establish a new business.
Anthony Huby, Manila
Retired Finance Manager
I had a small QROPS fund in Singapore which was being eroded by administration fees. Pension Loan Expert transferred it out to a SSAS linked to my UK business. The fund is now growing again thanks to much reduced SSAS administration fees
Simon Taylor, South Yorkshire
Wills & Probate Consultant
I was a HGV Driver who unfortunately suffered a stroke and other health issues. Pension Loan Expert allowed me to obtain a 50% SSAS loan without HMRC tax penalties. This helped me to stave off repossession of my family home.
Charles Marshall, East Midlands
HGV Driver
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Risk Disclosure
Pension Loan Expert does not provide tax or regulated financial advice. Any proposed arrangement should be independently reviewed by appropriately qualified and authorised professional advisers before proceeding. Early access to pension benefits may be restricted and unauthorised payments can result in significant tax charges. Eligibility and tax outcomes depend on individual circumstances and the specific pension scheme. Pension Loan Expert is not required to be registered and regulated by the Financial Conduct Authority who do not regulate Small Self Administered Pension Schemes.