Last updated24 January 2018


Charges are subject to VAT, although shown excluding VAT
Initial/Set up fee£1,000
Annual feeUncrystallised Account £750 pa

Crystallised Account £900 pa
Transfer in feenil
Transfer out feenil
In-specie transfer in feenil
Taking benefits
Annuity purchase feenil
Payment of death benefits fee£300
Other feesDivorce costs £750

Adminstration fee if non-standard assets held £250 pa


Access: Direct or via IFABoth

Online capability


Permitted Investments

Commercial property
Overseas property
Unit trusts & OEICS all platforms allowed
External deposit accounts unrestricted access to all 'sippable' deposit accounts
Overseas listed stock and shares all stockbrokers allowed
UK listed stocks and sharesall stockbrokers allowed
AIM sharesall stockbrokers allowed
Gilts/corporate bondsall stockbrokers allowed
ETFsall stockbrokers allowed
Investment trustsall stockbrokers allowed
Discretionary management unrestricted access
National Savings & Investments
Unlisted shares subject to due dilligence
Structured products
Trustee Investment Plans
Insurance company funds
Hedge funds through a platform/stockbroker
Traded endowment plans through a platform/stockbroker
Intellectual property
Brands / Trademarks
Third party loans

Property purchase

Purchase fee nil
Sale fee£750
Annual property administration feeincluded in annual SIPP fee
VAT registration feenil
VAT return feesnil
Other feesnil

SIPP Bank Account

SIPP bank account providerRoyal Bank of Scotland
Current interest rate0%


Scheme trusteesHartley Pension Trustees Ltd
Scheme administratorHartley SAS Ltd

Minimum contributions

Regular paymentsNo minimum
Transfers/Single PremiumsNo minimum
Min additionalNo minimum

Company Information

OwnershipPrivately owned
Year established4th March 2015
Funds under management£1.2 billion
Number of SIPPs administered11,000
Defaqto ratingFive star


Accepts benefits from defined benefit / final salary schemes?Yes, if IFA advised


Flexi Access Drawdown offeredYes
Uncrystallised Fund Pension Lump Sum availableYes
NotesDue dilligence will be carried out before acceptance of platform.

With the Empire SIPP you are in control of your pension. Make investments across different asset classes to suit your current and future investment strategies - including commercial property

Hartley Pensions Empire SIPP

Hartley Pensions currently offer three different SIPPs namely the Abacus SIPP, Prosperity SIPP and Empire SIPP.

In total Hartley Pensions run over 11,000 SIPPs.

The Hartley Pensions Empire SIPP can be accessed via an IFA or direct and is aimed at people who want to make investments that a Personal Pension will not allow. The Hartley Pensions Empire SIPP allows access to a wide range of assets including commercial property.

The mandated SIPP bank account for the Hartley Pensions Empire SIPP is held with the Royal Bank of Scotland.