The member trustees may borrow money from lenders to enable them to purchase particular assets, or to otherwise benefit the SSAS. This could include borrowing to provide a member’s benefits, which have become payable, or to purchase commercial property. The maximum the SSAS can borrow is 50% of the net fund value at the date of the loan. We do not stipulate or limit the range of potential lenders.

The SSAS may also borrow to lend to the principal employer, provided it charges the employer a higher rate of interest than it pays.

The terms and conditions of any borrowing must be authorised by Rowanmoor Trustees Limited and all member trustees. Rowanmoor Trustees Limited must be a party to the loan documentation.

For information on SSAS commercial property investment please visit SSAS Property Purchase.

This information relates to the Rowanmoor Pensions SSAS. If you would like to know more details regarding the information provided on this page please send your questions via the enquiry box on the right hand side or email us. Alternatively please visit our SSAS literature library.