Build Homes & Your Wealth

  • Earn Tax-Free Passive Income of 6.00- 8.00% APR Target Return
  • Co-Fund Short-Term Secured Loans from 3 - 24 Months
  • Benefit from 133% Target Collateral Cover

Pension Lending Accounts

With a  Pension Lending Account from Initiative Ireland, you can help to deliver affordable, social and mid-market housing across Ireland and earn returns of up to 8.00% APR TAX-FREE on your committed pension funds.

Access the Irish Property Investments in a smarter way, as a secured co-lender. Unlike traditional property investment, with a Pension Lending Account from Initiative Ireland you aren’t buying a property yourself, instead you co-fund a secured loan provided to an experienced developer which is secured against a property. We manage the loan from end-to-end, you earn a fixed interest return once the homes are sold. By connecting your account to an eligible Self-Managed Pension Arrangement, the revenues you generate are not subject to income tax, as they are paid directly into your pension.

Secured Property Lending

Just like with your a mortgage, as a property lender the loans are secured against the property title deeds from the start. We carefully assess each loan to assure a minimum of €133k in property collateral value is in place for every €100k released to the borrower throughout the course of the loan. This collateral cover protects you as a lender from market volatility, providing a more predictable return for lenders without all the work and risks usually involved with direct property investing. By helping to deliver social, affordable family homes, you are also doing good, making a real difference to Irish Families across the country. 

You can open your Pension Lending Account by lodging as little as €25,000 to start and from there you can allocate your funds across multiple loans. 



Trusted Experience 

Initiative Ireland was founded by an experienced Irish Banking and Finance Specialists, who are passionate about delivering honest, fair and secure financial products to Irish Businesses and Everyday Investors. With decades of Risk Management and Lending experience, our team assess each loan from end-to-end, subject to strict lending criteria. Before loans are syndicated on our platform, they are subject to in-depth review by our internal credit committee and also underwitten in full by one of our Corporate Credit Partners, so you can lend with confidence co-funding institutional grade, secured property loans to earn a great return and make a lasting impact to Irish Families. 


For more information:

Call us on   +353 (0)1 6859259

(Mon-Fri, 9am to 5pm)


Build your Portfolio

Select Loans to Fund

Easy Portfolio Monitoring
(Online 24/7)

Payments Made Securely
to your Pension

Local Knowledge & Industry Experience

Initiative Ireland was founded in 2015 by a team of experienced, proven finance professionals who had a shared vision of delivering positive social impact through financially inclusive and fair services. About Us....

Common Questions

How do I setup a Self-Managed Pension?

If you do not already have a self-managed pension arranagement, that is not a problem. We can introduce you to one of our Partnering Pension Trustees who can arrange this for you seperately.

If you do not want to setup a pension arrangement but still want to lend, you can also simply open a Private Lending Account. Contact us to discuss your options.  

How can I find a Qualified Financial Advisor?

If you have a Qualified Financial Advisor, please have them contact us once you've completed your application or provide their details when applying. 

If you do not have a Qualified Financial Advisor, we can recommend someone who is familiar with the product and the pension trustee of your choice. 

What if my Trustee isn’t a Partnering Trustee?

Simply provide their details when you apply and we can contact them on your behalf. Alternatively, you may wish to contact them first and instruct them to liaise with us. We will be happy to get your Trustee set-up on our platform. 

Eligible Self-Managed Pension Products may include:

- Small Self-Administered Pension Scheme (SSAS)
- Personal Retirement Bond (PRB)
- Approved Minimum Retirement Fund (AmRF)
- Approved Retirement Fund (ARF)
- Personal Retirement Savings Accounts (PRSA)

Start Building Your Future

With a Pension Lending Account