Pension Access
Tax treatment depends on your circumstances and is subject to change

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.

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.
Get started

How it works in 3 easy steps

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

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

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Information on Pension Access
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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
© 2025 Pension Access. All right reserved.
What's in your info pack?
Your FREE information pack contains all the information you need to make an informed decision on wheter or not taking tax free cash from your pension is right for you.
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Complete the form and we'll send you an information pack
Note: We are unable to advise on the state pension or any pension you are already taking an income from.

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    Keeping in touch

    We'll send you updates by email or text message. One of our specialists may call, just in case you have any questions about your pension. We’re big believers in never bombarding people with calls.

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