SSAS Pensions simplified

This page aims to answer the question, ‘What is a SSAS pension (Small Self-Administered Scheme) and how do they work?’

SSAS stands for Small Self-Administered Scheme. It is a pension, exclusively available to company directors, as dictated by HMRC rules. A SSAS pension is afforded all of the benefits that traditional pensions enjoy, plus many additional benefits. These include the ability to loan to your company, invest in property, combine your own pensions and pool pensions with other members for greater investment power and much more. It is incredibly tax-efficient and can be started at any age; you do not have to be over 55.

What is a SSAS Pension?

A Small Self-Administered Scheme pension (SSAS) is a pension scheme, exclusively for company directors. It is a unique and flexible property and occupational pension scheme, specifically created under legislation for company directors in the UK. If you set up a SSAS pension, you have full access to every type of investment available to SSAS investors according to the rules set out by HMRC. A SSAS fund benefits from all the same tax relief and advantages as a traditional personal pension, such as a tax-free lump sum of 25% at age 55, new contributions of up to £40,000 a year and flexible drawdown.

There are several different investment options available when using a SSAS, but for business owners, this type of pension scheme is also beneficial for investing in commercial property or raising funds for any other aspect of running a company. For family businesses, the SSAS offers great benefits for tax efficiency, succession planning, and business continuity.

The ability to loan to the company using the SSAS loanback facility is especially useful when looking for business funding, cashflow or tax efficiency for the business.

If you’re a UK company director looking for an efficient and flexible occupational pension scheme, look no further than a SSAS pension.

A SSAS is a good idea for those looking to build a legacy, grow their business, save tax, protect wealth, invest and diversify their pension funds and generally take control, with ultimate flexibility.

Key Benefits

  • Invest in property
  • No upfront fees
  • Investment returns
  • Loan to company
  • Consolidate pensions
  • Reduce pension charges

Grow your pension, invest in your business, invest in property.

Take control using a SSAS pension with our FREE guide!

In this guide you will learn:

  • What a SSAS pension is
  • Who can have a SSAS pension
  • If a SSAS is right for you
  • What a SSAS pension can invest in
  • What to do next
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What are the benefits of a SSAS pension?

A Small Self-Administered Scheme pension is a business tool designed to benefit your business. Not only does a property SSAS pension offer many benefits for your business today, but it also has many long-term benefits that will help you to create a bigger retirement fund, generated from the success of your business. It’s low cost, you’re in control and you get all the tax breaks associated with any other pension scheme while being able to invest in the full range of permitted investments allowed under UK legislation. Not only that, but property SSAS also allows you to fund your company when you need some extra cash.

With a SSAS pension you can:

  • Invest in property
  • Invest pension funds in your own business
  • Avoid upfront fees and increase capital gains
  • Access investment returns
  • Consolidate pensions and reduce pension charges substantially.

SSAS pensions have the same attractive investment and tax benefits of a SIPP or a personal pension, but they offer far more financial planning and investment options. For example, with a SSAS pension, a company director can use up to 50% of the money in the pension as an investment in their own business, or buy shares in a business not listed on a stock exchange (including their own). Many business owners who have a SSAS pension take advantage of the ability to transfer their business premises into the pension scheme, so that company rental payments can be paid into the pension fund.

Is a SSAS pension expensive?

A SSAS pension can be extremely cost efficient if set up correctly. Best of all, SSAS fees benefit from corporation tax relief. The cost of a SSAS is relative to the investments you make and hence, the tax savings you can achieve. Unlike traditional pensions, SSAS fees are transparent, clear and under your control. The fees do not scale according to the size of your pension; instead, it will depend on the number of things you want to do with your SSAS pension, such as investing in your company, providing loans to others, or investing in property.

If you would like a conversation regarding SSAS fees, please visit our Contact Us page and get in touch.

Who Is eligible for a SSAS pension?

To establish a Small Self-Administered Scheme pension, you need to be a Director of a limited company — 95% of SME company directors are eligible for a SSAS pension. If you are not a company director, you may wish to look at a Self-Invested Personal Pension (SIPP).

Take our 60-second SSAS eligibility test to see if you qualify and to get pre-approved for a Small Self-Administered Scheme pension. 

How can TLPI help with SSAS pensions?

TLPI is made up of authorised SSAS business pension experts who have been helping clients to invest in both business and residential property since 2004. SSAS pension scheme providers vary in their flexibility, which often means that business owners need to work with a SSAS pension broker that knows the market place. TLPI is different — we’re not just a scheme provider — we are also brokers with years of experience working with SSAS pensions.

Our clients are SME business owners and majority shareholders, and we understand that, for them, their business is the priority. Our mission is to help our clients understand how a SSAS pension can support their business, as well as show them how they can reap the full benefits.

For more information or enquiries, don’t hesitate to contact us. Our expert SSAS pension consultants are available to speak to you and guide you through your options.

Why choose a Property SSAS?

A Property SSAS is the most flexible type of pension available in the UK. With this type of pension, you have access to every type of investment that is allowed under rules set out by legislation. You can make any permitted investment at any age, essentially you do not need to be 55 to take control of the money in your pension. Choose a Property SSAS to invest in property or to use for business or investment purposes.

What is a Property SSAS in comparison to a normal SSAS?

A Property SSAS is administered by people who know and understand property investments. A Property SSAS allows you to make all the same investments as a normal SSAS but when it comes to making an investment in property you want property people to be there to answer your questions immediately and to deal with the process of acquiring or disposing of property promptly.

What is most appealing feature about a Property SSAS?

You can invest in property, it’s low cost, you’re in control, you get all the tax breaks associated with any other pension and you get to invest in the full range of permitted investments allowed under UK legislation. A Property SSAS is a great business pension too because it can fund your company when you need cash to start or finish projects.

Essentially you can pool all of your former pensions into a Property SSAS business pension and then draw on them to fund your business to a maximum of 50% of their combined value.

How can TLPI help me with a Property SSAS?

We are dedicated SSAS pension brokers, this is our area of expertise. We will listen to what you are trying to achieve and if your goal is possible, then we will find a SSAS pension company that can help you. We are thorough and can normally tell you on the phone if we can help you within a few minutes.

We just need to know what you currently have in terms of your pensions, your age and what your intentions are. Speak to our consultants about your pension options.

What are the extra investment options available with a SSAS over a SIPP?

The main additional benefit of a Property SSAS is that you can transfer 50% of the value of any pension you have contributed to into your company for use in your business. This is the cheapest way to access money for your company. Why go to the bank with all the red tape and hoops they make you jump through when you can simply draw on your old pension schemes instead. The money can then be used for property investment or property development, cash-flow or stock acquisition specific to your business.

This is a great way of accessing tax-free money in your pension for use in your business. There are special rules imposed by HMRC if you are planning to transfer 50% of your pension which we are familiar with. We will help to ensure you meet the obligations you must undertake.

Are there any other benefits of a Property SSAS over a Property SIPP?

It is possible to pool your pensions with other Directors or family members to give you a bigger fund to make investments. This often happens when a large property acquisition is made and greater funds are required. We tend to find this happens when a board of Directors combine pension funds to acquire a freehold property to run their business from.

Another frequent scenario we experience is where a husband and wife, who are involved in a small business, combine their pensions to give a larger pot. However the sums invested remain with the party that invested them, so for example if one party invested 75% of funds and the other only 25% then this is how the split of the pension remains, it doesn’t suddenly become 50/50.

Can I transfer current, frozen, or former company schemes into a Property SSAS?

Yes, many people do this. You simply contact your existing pension provider and get them to transfer the old pensions into your new Property SSAS. This is very straight forward and often accounts for how people start a new Property SSAS. Your old pension provider will send some paperwork in the post which you need to sign and return to them.

You should consider if there are any benefits you are giving up by transferring your old pension because when you move the pension these will be lost. You can ask your pension provider to give you this information in writing or over the phone.

Do I need investment experience, qualifications or high net worth status to start a Property SSAS?

No, the only requirement is that you are the director of a company in the UK. As a Company Director you will be familiar with making executive decisions which is what you will be doing with your pension. Most SSAS pensions are used for property investment which is also our area of expertise, so we can help if needed.

Are there any drawbacks to a Property SSAS?

There are no drawbacks. A Property SSAS gets all the same benefits as any other UK pension scheme such as tax breaks, lifetime limits, drawdown age and 25% tax free cash at age 55 along with the new flexi-drawdown rules. A Property SSAS is the ultimate property and business pension.

Most people take little interest in their pensions but when they realise all of the benefits of a Property SSAS and how the money locked in a pension can be used in a small company, the SSAS pension suddenly becomes a very attractive tool to have as a part of your business plans.

Who can set up a Property SSAS?

A Property SSAS can only be set up by a company director, however the company can be of any size in terms of its turnover, profits and staff numbers. Under certain circumstances, it may not even need to be a trading company. TLPI has consultants that can help to set up the right Property SSAS for you. Please contact us by calling 01235 426666 or emailing

How can I find out if I'm eligible for a Property SSAS pension?

You can take our quick 60 second eligibility test to find out, or you can get in touch on 01235 426666 or emailing

What are the consultation fees?

TLPI offer a free, no obligation SSAS consultation to help you discover whether you are eligible for a SSAS pension, and to discuss how you could use the SSAS to grow your business. Simply get in touch on 01235 426666 or emailing

What are the costs involved with establishing a SSAS?

The SSAS establishment process enables us to understand your current circumstances, and helps us work with you on your investment strategy for your fund, as well as establishing efficient trustees.

Independent SSAS Trustees also administer the pension scheme, and ensure that it complies with HMRC regulations. The cost varies dependent on your circumstances. Our aim is to always place you with the most cost effective Trustees, and once we understand your circumstances and plans, we can provide you with an accurate fixed cost before you decide whether or not to continue.

Are you eligible for a SSAS pension?

Take our 60 second eligibility test to find out


Want your questions answered by our expert SSAS and investment consultants?

Book your free, 15 minute no obligation call to find out more!

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I was looking at setting up a Family Investment Company, during which I’d paid more than a few hundred pounds for a couple of Consultations. After which I’d received some rather expensive quotes for setting it up, as well as getting lots of complexed information about the process. Then I eventually stumbled across TLP while doing some related research. I was pleasantly surprised and more than pleased that they offered a No cost consultation. During which Lewis Jones, was able to simplify all the information and subsequently provide a much more realistic quote for the process. Not to mention the first year’s company accounting services that came for free and the ongoing advice from Lewis. Which has not only been financially beneficial, but as proved to be a great source of knowledge and education, responding to all my questions promptly. With my background not being in the financial and investment sector, his clear explanations put in a context that I was able to understand, has been invaluable.
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From the start of the transfer to the end TLP have been always available to me, they have kept me informed throughout the process and offered help and guidance when required. Excellent service that is highly recommended
Andy Page
Andy Page
Now fully set up with a Landlords pension and very pleased with the overall service. Only delays were with AVIVA not playing ball but now all done and set to earn significantly more than with AVIVA. Jordan Sharpe was knowledgeable and guided me through the whole process with a professional and friendly approach. Morwena (assistant) was again very friendly and together made the process a simple one. Looking forward to a better retirement (eventually) thanks to TLP.

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