Flexible SIPP

Our Flexible Self-Invested Personal Pension (SIPP) offers the maximum flexibility in planning for and drawing benefits in retirement.

For an ideal long-term experience, a SIPP product's features and service, and the quality and robustness of the underlying provider, all have to be right.

Our Howden Flexible SIPP adjusts to your needs, without you needing to change product. Simply choose one option from our panel, gaining access to investments offered by that panel partner at a competitive annual fee. Or, if you want wider investment flexibility, you can take direct investment in commercial property and access wider investment options.

Technology is redefining how we deliver our service, but we use it to enhance, rather than replace, the personable experience for which we have become widely known. SIPPs Online provides secure access to useful SIPP data and functionality, while direct access to a knowledgeable and helpful individual is important for more complex matters. (Please note we cannot give advice and would always recommend using a financial adviser.)

Often overlooked, the underlying provider is arguably the most important factor. Pension savings belong in reliable hands – the provider’s integrity, long-term commitment, ongoing investment and strength are essential. Our calibre as a firm should provide you with great reassurance; we can support you with technical back-up and expertise when needed and our commitment to service has been independently recognised with a ‘Silver’ award from Investor in Customers. 

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SIPPs Online

Our primary focus is to deliver a high quality service to every SIPP member and their financial adviser. 

Sometimes a high quality service is best delivered by a person. However, many things can be delivered efficiently online, which is why we have SIPPs Online. 

  • Help yourself to the information you need, when you want, 24/7
  • Separate zones for advisers and members and easy navigation 
  • Secure online document delivery and storage 
  • Portfolio valuations 
  • Live cash balance and downloadable cash statements 
  • Contribution history 
  • Pension payment history
  • Securely notify us of change of address
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SIPP literature library

From product information to forms and policies, all of our SIPP literature can be accessed through our dedicated literature library.

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Panel investment partners

The Howden Flexible SIPP is designed to provide low cost access to a discretionary fund manager, execution-only stockbroker or platform from our panel. We work very closely with these companies and have put in place streamlined account opening and management processes. Each partner provides us with electronic valuation data, ensuring we always have an up to date picture of the portfolios they manage.

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Commercial property

We are one of the most popular SIPP providers for direct SIPP investment into commercial property, with over 1,200 commercial properties of many different types, amassing significant expertise in this field.

Buying, managing and owning property in a SIPP benefits greatly from a flexible approach, experience and a personal service – precisely the things we pride ourselves on.

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Banking arrangements

You can download details of our pre-approved accounts and their rates of interest from the link below or at our literature library. If you’re looking for alternative deposit accounts, we’re happy to consider these on request and subject to our usual due diligence checks on the relevant organisation.

Ready to begin?

Whether you're an adviser or a direct SIPP client, get started today with Flexible SIPP.

We provide financial advisers with the technical back-up and expertise that helps support your business and your clients, both now and in the future.

Find out more

We strongly suggest you seek financial advice before taking out a SIPP. 

If you wish to find a qualified SIPP financial adviser in your areas, we suggest searching on the website of the Personal Finance Society.

Apply now

Need more help?

Our SIPP team are happy to discuss your needs.