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During the Coronavirus outbreak, we are taking precautions to protect the health of our colleagues and clients as well as working hard to ensure business as usual is maintained. We will continue to respond to all communications as quickly as we can. However, if your call is not urgent, please contact us via email and we will respond as soon as possible. If you are uncertain of a particular email address, please use one the following:

 

Alternatively, if your call is urgent, many of our staff are contactable on their direct lines. The Embark Group has full capabilities in place to enable all our staff to work remotely and we are doing our best to maintain our service levels, however please note response times may vary.

For useful tools and resources or to learn more about the market impact of Coronavirus, please visit our COVID-19 page.

borrowing within a scheme.



One of the benefits of using a self-invested pension is the ability to borrow from within the scheme. This may include borrowing to purchase commercial property or provide benefits. In the case of a SSAS, a loan can be made to the principal employer.

The maximum amount a scheme can borrow is 50% of the net fund value of all assets at the date of the borrowing.

We do not stipulate or limit the range of potential lenders, although in the case of a SIPP the loan documentation must be individually agreed by Rowanmoor Trustees Limited before any borrowing may proceed. For a SSAS or Family Pension Trust, Rowanmoor Trustees Limited will be a party to the loan.