Tax treatment depends on your circumstances and is subject to change

Your pension.
Made simple.

Discover what you could do from 55,
including taking up to 25% tax-free cash.

Taking pension money early is not right for everyone
because it will leave you worse off in retirement.

Get started

Your pension.
Made simple.

Discover what you could do from 55,
including taking up to 25% tax-free cash.

Taking pension money early is not right for everyone
because it will leave you worse off in retirement.

Get started

We are authorised and regulated by
the Financial Conduct Authority

Get started with no obligation

Our initial investigation into your pension will not cost you a penny and any advice charges are confirmed in writing before you have to make a decision to proceed. This means you can walk away better informed with nothing to pay.

How it works in 3 easy steps

With our no obligation pension check discover what you could do with your retirement savings.

Your permission

Complete and return a simple form giving us your permission to check your pension.

We analyse

Our team gathers and analyses all the information we need about you and your pension.

Your decision

We’ll send you a report, clearly stating what we think you should do. The choice is then yours.

If you decide to make a change to your pension, including releasing money from it, we will take care of everything for you. We’ll also let you know in writing what the fee would be.

Be scam smart

To be sure you are not being scammed when seeking help with your pension, only use a financial adviser authorised and regulated by the Financial Conduct Authority:

You will have access to redress through the Financial Ombudsman Service should their advice be unsuitable for you.
They only recommend pension product providers that are authorised and regulated by the Financial Conduct Authority. So, through that provider your savings are covered by the Financial Services Compensation Scheme. This means you can get up to £85,000 of your savings back if that pension provider fails.

What our clients have to say

With a 97% approval rating on reviews.co.uk our heart beats a little faster when we read what our clients have to say.

More reviews

"You were able to help me access my pension to release a tax free lump sum. This helped me and my family become debt free and I still had money left over."

- Kevin, Bridgewater

"I needed to release some funds from my pension for some home improvements and they sorted the whole process quickly and professionally. Excellent service."

- Jeremy, Walsall

"You helped me to get back on track as I was on shutdown. They got all the paperwork together so that I didn't have to. Thank you for all your help and support."

- Kevin, Birmingham

Smiling man in office wearing a headset | Pension Access

The personal touch, for when you need it

Unlike most financial advisers we operate our service remotely, which means most things are taken care of online, by email or through the post. Sometimes only a conversation will do, though. So, we have a team of pension specialists ready to support our clients over the phone, Monday to Friday, from 8am to 6pm.

More financial flexibility for you

The government changed the pension rules to give people more freedom and flexibility around how and when they access their retirement savings.

Discover what pension release could mean for you.

¹ Financial Conduct Authority retirement income market data 2020/21

0800 009 3388

Mon-Fri 8am-4pm

Harbour Rock Capital

Information on Pension Access

Legal

Latest

Pension legacy: securing your family's financial future

Unlocking retirement: The pros and cons of pension options at 55

Early pension withdrawal: navigating the pros, cons and key considerations

This website is aimed solely at UK investors subject to the UK tax regime.

Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: pensionaccess@harbourrockcapital.co.uk

Your pension.
Made simple.

Your pension.
Made simple.

Get started with no obligation