Broker & Intermediary Briefing
Pension loans for Limited companies
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
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- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Pension loans for Limited companies
Here’s another new product which I think will interest you.
Do you have clients who need to inject cash into their business but can’t meet affordability or credit requirements?
If so, this new product may really help.
It is only available to limited company owners with a minimum pension fund of £80,000.
This pension restructure will enable your client to utilise their pension fund to capitalise their business and provide all the benefits of a business loan without credit checks, no monthly repayments or high interest charges.
Features
- Using a UK Registered Pension scheme
- This is not a loan
- There is no cost for your client to find out how this scheme might benefit them
- 100% of the net pension fund can be utilised
- Funds can be used for any purpose, for example:
- Fund capital growth
- Refinancing
- Business opportunities
- Business start up
- Repayment of directors’ loans
Key Criteria & Application Guidance
No age limit Commission to you on completion £2,000 upwards
Your clients could benefit if they:
- Primary Factor: Need to inject cash into their company
- Second Element: Have been declined by their bank for a business or commercial loan
- Third Aspect: Have been offered terms which are too expensive or inflexible
- Additional Point: Have bad credit or difficulty proving affordability
Qualifying pensions
Client should have one of the following types of pension fund worth in excess of £80,000?
- SSAS, SIPPs, Protected Rights
- Occupational pension scheme
- Income Drawdown
- Private pension plan
- Group pension plan
If you have a potential case, we can put you in direct touch with the scheme provider to explain more.
Latest Articles
Intermediary Guidance for Pension Loans Limited Company
Structuring competitive terms on pension loans limited company for your clients requires direct access to specialist underwriters. In addition, our intermediary lending desk works directly with over 90 specialist lenders across the UK.
Consequently, partnering with Promise Money ensures whole-of-market broker access, transparent procuration fees, and rapid decisions in principle for your client cases.
Specialist Underwriting & Whole-of-Market Access
Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Specialist Lending Desk to understand how different lending criteria apply to your requirements.
Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.
Key Takeaways: Pension Loans Limited Company Broker Briefing
Additionally, partnering with Promise Money gives intermediaries whole-of-market access across 90+ specialist second charge lenders.
Furthermore, direct access to our specialist underwriting desk protects client relationships while guaranteeing transparent and competitive proc fees.
Consequently, complex borrowing scenarios—including high LTVs, adverse credit, or complex income—are structured efficiently without delays.
Therefore, introducers can submit case details directly online or via phone to secure rapid Decisions in Principle.
Specifically, second charge homeowner facilities are assessed with commercial speed to meet critical funding deadlines.
Moreover, comprehensive lending criteria checklists ensure client applications are fully structured prior to lender submission.
In addition, dedicated underwriter communication guarantees updates at every milestone from enquiry through to completion.
Crucially, keeping existing low-rate primary mortgages completely untouched saves your clients thousands in remortgage penalty fees.
In practice, our intermediary team handles valuation queries and legal liaisons so you can focus on client advisory.
Above all, whole-of-market access allows you to place non-standard cases that mainstream high street lenders routinely decline.
As a result, your brokerage delivers reliable capital-raising solutions even for complex homeowner borrowing requirements.
After all, working with an established specialist credit broker with 35+ years experience protects your professional reputation.
Meanwhile, dedicated broker portal tools provide real-time tracking on survey sign-offs and fund disbursements.
Indeed, high LTV options up to 100% or more allow clients to unlock needed capital without moving home.
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Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
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Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.