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Borrowing within a scheme

One of the benefits of using a self-invested pension is the ability to borrow within the scheme. This may include borrowing to purchase commercial property or provide benefits.

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 the loan documentation must be individually agreed by Rowanmoor Trustees Limited before any borrowing may proceed. For a Family Pension Trust, Rowanmoor Trustees Limited will be a party to the loan.