Self Invested Personal Pensions (SIPPs)

Fancy getting more from your SIPP by investing in the property market? Invest your SIPP pension with UOWN to take advantage of our commercial property investments.


Save for your retirement with an innovative SIPP

Investing some of your SIPP with UOWN allows you to grow your retirement fund by investing in the property market.

All made possible by the power of the crowd.

What is a Self-Invested Personal Pension?

A self-invested personal pension (SIPP) is a type of DIY pension wrapper that offers a number of investments that can be held until you retire and start to draw income from them.

You have the flexibility to choose what you invest in and then we can manage the investment for you and our goal is to make sure it stays on track until you retire.

Build a tax efficient nest-egg with a SIPP

Any contributions you make to your SIPP are eligible for tax relief, and for basic rate tax-payers this amounts to a 20% tax top up. HMRC will add £20 for every £100 you pay into your pension.

You can also reclaim additional tax relief through your annual tax return if you pay a higher rate of tax

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Capital at risk. Tax treatment depends on the individual circumstances of each client and may be subject to change.

Key benefits of SIPPs

SIPP pensions come loaded with benefits for the savvy investor who’s looking to grow their nest egg through smart investments

Mix and match investments

You can select from a range of assets to invest in and switch between them as and when you want to, hence the name ‘self-invested personal pension’.

No experience, no problem

A SIPP pension helps inexperienced investors by allowing you to invest in share-based funds rather than individual shares.

Simple to fund

We factor your interest payments into the balance of the loan, leaving you with a simple and manageable lump sum figure and a repayment date that is easier to aim for.

Online and simple to manage

SIPP investments can be managed completely online, including buying and selling investments and checking performance.

Easy way to spread risk

Banks may be hesitant to give access to finance for a development that requires a lot of work. We counteract this by using equity

Withdrawals before 55

You can start withdrawing from your pension fund as you near your retirement age.

Investing in a SIPP pension

SIPP pensions can be a great way to set aside some money for your future, but there are some investing rules that need to be followed to keep things running smoothly

Access your SIPP at 55

You can access and use your pension pot from the age of 55.

Tax relief on £40,000 annually

If you earn up to £150,000 you can invest up to £40,000 of your annual earnings before tax, according to 2019/20 tax rules.

Low-cost SIPP

A ‘low-cost’ SIPP pension is possible to start with a small sum and you make all the choices on the investment.


A ‘full SIPP’ offers a wider choice of more complex investments, such as commercial property, which is more for the experienced investor.

A variety of assets

Unit trusts, shares, exchange traded funds, investment trusts, gilts and corporate bonds, cash, and commercial property can all be held in a SIPP.

Management charges

Be aware that there could be charges for managing a SIPP, such as admin charges, charges for funds and shares, buying and selling charges.

Why you should invest your SIPP with UOWN

If you invest some of your SIPP pension pot with UOWN you will enjoy the following benefits:

  • You can change your investment portfolio to match your circumstances and risk tolerance.
  • Our service is completely transparent and you are kept fully informed of progress with your investment.
  • You can diversify your retirement investment portfolio by investing in a range of commercial property available on the UOWN platform.
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Capital at risk. Tax treatment depends on the individual circumstances of each client and may be subject to change.

SIPP pensions FAQs.

Can I invest through a SIPP or a SSAS pension?

When do I get my capital and interest back?

Is interest I earn through pension lending taxable?

What are my options if my pension provider will not approve peer to peer lending?