• The withdrawal facility is now available to all investors with an AML/KYC verified account

Join the revolution in pension investment.

A Peer-to-Peer SIPP allows you to share in the funding of a portfolio of loans secured against UK property at a maximum of 70% LTV using your Self-Invested Personal Pension (SIPP).


Amount raised with us


Registered users


Investors have earned

How much can I earn?

The benefits of Lendy

Earn gross rates of up to 12% p.a

We also support business owners who have Small Self Administered Schemes (SSAS) that they would like to invest in Peer-to-Peer loans. The Lendy service provides a fairer and easier way to manage your investment and as an investor you could start earning gross rates of return of up to 12% per annum today. The benefits of using a SIPP or SSAS to invest in Peer-to-Peer lending is that interest may be earned and reinvested tax free.

Why use Lendy?

In 2017 AltFI identified us as Europe's leading secure property platform. The amount loaned with us has exceeded £429m and our 22,672 registered users have earned £47,675,017 in accrued interest since we started. Despite such record growth it is our mission to ensure both lenders and borrowers can operate within a fair and regulated environment.

What makes this the right time to consider Peer-to-Peer Lending?

Back in March 2014 the Chancellor George Osborne announced in his budget that there would be a relaxation in the rules around pensions thus giving people the chance to manage their own finances more, consider investment solutions that are not based on buying an annuity and to be able to look at opportunities like Peer-to-Peer Lending. Investing in Peer-to-Peer using your SIPP allows you to choose the bridging loans you want to lend to, and the amount of money you want to lend.

Should I lend through my SIPP or SSAS?

Most UK pensions are managed by institutional fund managers who decide where your pension savings are invested. More and more people are now taking control of their retirement investments and setting up either a SIPP or a SSAS (Self Invested Personal Pension or a Small Self-Administered Scheme).This has given the pension holder some choice as to where their fund is invested. A SIPP or SSAS allows you, the pension holder, to make your own investment decisions alongside the scheme trustees. A Peer-to-Peer SIPP or SSAS now offers you a new option for investment.

How to get started

What is the process to invest?

Lendy cannot give advice as to the suitability of the loans on our platform for SIPP or SSAS investment or whether a SIPP or SSAS is an appropriate investment vehicle for you. If you are unsure, you should take advice from a suitably qualified independent financial adviser.

  1. The Lendy web site provides contact details for SIPPclub, who can discuss with you the various SIPP and SSAS options and associated costs.
  2. Whilst SIPPclub will not provide you with advice, it should be able to point you towards a SIPP operator who may be able to meet your needs.
  3. If you need assistance, SIPPclub can help you create a brand new SIPP into which you can make contributions and organise the transfer of your existing pensions where it's appropriate.
  4. Once your SIPP has been created, SIPPclub will help you open an account on our platform and instruct you on how to operate it in accordance with the SIPP rules.

What's next?

What is the next step?

Lendy cannot provide advice regarding SIPPs or the suitability of any of the loans on our platform for SIPP investment purposes. Our Lender Team at Lendy would be delighted to facilitate an introduction to SIPPclub for clients who would like to investigate this option for investment. The Lender Team can be contacted via the contact form here.

SIPPClub provides information and support to people with self-invested pensions. Whether you’re growing your pension fund or drawing your income in retirement, SIPPclub can help you discover how to take advantage of the significant benefits of lending your pension money through Lendy.

To find out whether a SIPP or a SSAS is more appropriate for your circumstances, and which provider is likely to best suit your requirements, click the link below.