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 join our secured lending community made up of extraordinary Private Individuals and Businesses across Ireland, who are committed to delivering social good. Help to deliver affordable, social and mid-market housing across Ireland and earn returns of up to 8.00% APR on your committed pension funds.

With a Pension Lending Account, you can join our community in funding institutional grade, secured property loans while earning a fair return and supporting the delivery of social, affordable and mid-market housing across Ireland. 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.

At Initiative Ireland, we understand the need to take precaution when securing your future. That is why all secured loans we provide are secured with a 1st legal charge over the underlying property. For every €100k released, we require more than €133k in underlying property security from the developer, which is held in trust for our borrowers. All loans listed have been assessed by our credit committee and pre-approved by one of our Corporate Credit Partners, who lends alongside you. Our experienced team manage the loans from end-to-end, to give you the confidence you deserve when you lend.

You can open your Pension Lending Account by committing as little as €25,000, with commitment terms ranging from 3 to 24 months.

For help or information:

Call us on   +353 (0)1 6859259

(Mon-Fri, 9am to 5pm)




Pension  Lending Benefits

  • Security 1st - Minimum Security Value of 1.33 x Loan Value
  • Social Good - Delivering new family homes across Ireland
  • Short Terms - Loan Listings from 3 to 24 Months
  • Great Return- Up to 8.00% APR

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