Pension tax-free cash

With an eligible pension you could take up to 25% of your savings tax free from the age of 55.
We are authorised and regulated by
the Financial Conduct Authority
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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.

How it works in 3 easy steps

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

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


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
  • Impartial advice from regulated specialists
  • 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.
1FCA Retirement income market data 2020/21

2 Pension Access statistics: primary reasons for clients taking tax-free cash: up to 4th Nov 2020
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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:
© 2024 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.
Get your Free Info Pack
Complete the form and we'll send you an information pack in the post
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.

    Safety PadlockYour information is safe with us. Our calls are recorded for regulatory, legal and training requirements. Please see our privacy notice for information on our data practices here


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