SSAS Pension Funds

Tax-efficient retirement planning for directors and business owners — with total control.

SERVICE DETAILS

* Complete control of pension investment policy
Contribute tax-deductibly as a company director
Borrow money back from your company (loanback facility)
* Invest in commercial property or 
equities
Leave pension wealth tax-free to dependents
* Avoid 
high fees paid to large pension providers

overview

Melon Accountants helps you to establish and operate a Small Self-Administered Scheme (SSAS), allowing you to build a tax-efficient pension as well as investing in your business and property.

key benefits

* Complete control of pension investment policy
Contribute tax-deductibly as a company director
Borrow money back from your company (loanback facility)
* Invest in commercial property or 
equities
Leave pension wealth tax-free to dependents
* Avoid 
high fees paid to large pension providers

who is this for?

UK company directors and business owners
* Owner-managed companies seeking pension control
* SMEs with multiple directors 
seeking a group scheme
* High
earners needing flexible retirement planning
* Anyone interested in investing 
their pension funds into their own business

DOCUMENTS REQUIRED

Company incorporation documents

Director details and ID documents

Existing pension statements (if transferring funds)

Investment intentions (property, loanback, etc.)

Company accounts and financial statements

WHAT'S INCLUDED

SSAS scheme design and setup

HMRC registration and trustee support

Guidance on contribution limits and tax relief

Ongoing compliance and pension administration

Coordination with financial and legal partners (if needed)

Annual return preparation and investment monitoring

TURNAROUND TIME

SSAS setup and registration: 2–4 weeks Ongoing support: Monthly or quarterly, based on need

Filing Deadline

SSAS annual return (Event Report): Due by 31st January following the tax year Annual declarations and contribution reporting to HMRC as required

Compliance info

All SSAS services are delivered in line with HMRC pension rules, The Pensions Regulator’s guidance, and UK pension tax legislation. Trustee responsibilities are clearly defined, and we support full regulatory compliance.

PRICING NOTE

Fees vary based on number of trustees, assets under management, and complexity of investment activity (e.g. property acquisition, loanbacks).

Use Case Scenarios

Explore examples of how we’ve made tax returns simpler and more accurate.

Company Directors Establishing a Shared Pension Fund
Three directors of 
a building company established a pooled SSAS to invest in high-yielding commercial property and reduce their corporation tax liability — with our full setup and day-to-day administration help.

✅ Business Requiring Pension-Backed Loan
A manufacturing company needed 
finance but wanted to avoid external borrowing. We facilitated an SSAS loanback to the company in compliant form, giving access to funds while retaining pension growth potential.

what we do