SSAS Eligibility Checker

A SSAS (Small Self-Administered Scheme) is an employer pension with wide investment powers, used mostly by company directors. Answer a few factual questions and we'll show the general factors that tend to matter — so you can have a more informed conversation with a professional. It does not tell you what to do.

Is there a UK limited company / sponsoring employer?Are the intended members directors or employees of it?Roughly how many members?Interested in holding commercial property in the pension?Interested in the scheme lending to the business (loanback)?

About these figures. This checker provides general information only and is not a personal recommendation or regulated advice (FCA). It does not assess your full circumstances. A SSAS is an occupational pension with strict HMRC rules — setting one up, making loanbacks, or holding property has significant, hard-to-reverse consequences. Before acting, consult an FCA-authorised adviser or a specialist SSAS administrator.

Important — this is general information, not financial advice. This page covers an FCA-adjacent topic (e.g. pensions, trusts or tax planning) and is provided for education only. It does not account for your personal circumstances and is not a personal recommendation. SSAS, trust and tax decisions can have significant and hard-to-reverse consequences — before acting, get advice from an FCA-authorised adviser, a qualified tax adviser, or a STEP-qualified solicitor. Tax treatment depends on your individual circumstances and may change.

Last reviewed: 13 July 2026