Pension tax-free cash

With an eligible pension you could take up to 25% of your savings tax free from the age of 55.

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Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement. That’s why it makes sense to speak with a regulated financial adviser, such as Pension Access.

What pensions are eligible for
tax-free cash?

Personal and private pensions
Company pensions
The State Pension
Unfunded pensions

Couple smiling at mobile phone | Pension tax-free cash

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.

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How it works in 3 easy steps

With our no obligation pension check discover if pension lump sums are right for you.

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. Or, you can choose to walk away with nothing to pay.

Why so many people are releasing pension money²

1.9 million

Over

The number of pensions accessed for the first time since 2018.¹

What you’ll get with Pension Access on your side

A no obligation pension check
You will receive balanced financial advice
Ongoing advice and management of your pension
A fast, efficient service: we make the process easy for you

Son with arm round his father | 25% tax-free pension cash

Taking tax-free cash is a big decision, especially if you have a pension with valuable guaranteed benefits. It’s about weighing up the positive impact taking pension money early could have on your life right now with the potential loss of retirement income in the future.

We consider many different factors for our clients: from their current finances and objectives, to their plans for retirement and beyond. And we will forensically analyse each pension scheme to make sure each client is clear on all the pros and cons of making a change to their pension pot before any final decision has to be made.

Father putting money into piggy back with young daughter

Related topics

Is pension release legal?

What are private pensions and how do they work?

Can I access money from an opted out SERPS scheme?

The difference between financial guidance and advice

10 commandments of managing money

¹Financial Conduct Authority Retirement income market data 2020/21.

² Pension Access statistics: primary reasons for clients taking tax-free cash: up to 4th Nov 2020

0800 009 3388

Mon-Fri 9am-5pm

Why Pension Access?

Information on Pension Access

Legal

Latest

Pension legacy: securing your family's financial future

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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

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Pension tax-free cash

What pensions are eligible for
tax-free cash?

Get started with no obligation