Pension Access
Tax treatment depends on your circumstances and is subject to change.
What is pension drawdown?
Find out if pension drawdown is the right thing to do.
Claim your free pension info pack
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How does pension drawdown work?
Current pension rules mean that as long as you have the right type of pension you can cash this out from age 55:
  •   Up to 25% of the pension you access via drawdown would be tax-free
  •   After the first 25% you take, any further withdrawals would be taxed as income
  •   You can cash in 25% tax-free from each of the pension funds you have
  •   You can set up regular income payments, or just take one-off payments as and when you need it
  •   Any money left in your pension stays invested, so this has the opportunity to grow
  •   You can nominate who will receive any remaining funds left in your pension if you die
Tax treatment depends on your individual circumstances and may be subject to change in the future.
Claim your free pension info pack
Is pension drawdown right for you?
While pension drawdown can have a lot of benefits and flexibility, there are some important things to consider first:
  •   You could release too much and end up with a large tax bill
  •   Taking your pension in stages could be more tax efficient
  •   It could leave you with less to live on than you need in retirement
This is why you should speak with a specialist like us, first. We can check to see if pension drawdown is right for you and answer any questions you may have. 
Taking pension money early is not right for everyone as it will leave you worse off in retirement. Also, tax treatment depends on your circumstances and is subject to change. That’s why it makes sense to get help from a regulated specialist.
How do I start the pension drawdown process?
Simply complete our form and we will send you out the pension info pack you need to get started.
Please note, accessing your pension early shouldn’t be seen as an easy way to raise money.

    Get your free info pack

    Please note: We are unable to help you with the government State Pension or any pension you are already taking a pension from.

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    Please complete your details below and we will pop your guide in the post to you.

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    PRIVACY POLICY

    What's in your info pack? Taking pension money early isn’t right for everyone because it could leave you with a lot less to live on in retirement. That’s why it makes sense to talk with a regulated financial adviser first. There is no obligation at all and if you choose to get a check of your pensions then we also include a pre-paid envelope and a consent form so we can access details of your pensions. Your FREE information guide contains all the information you need to make an informed decision on whether or not taking tax free cash from your pension is right for you. We're on hand in case you have any questions, and we aim to make the process of withdrawing cash from your pension as simple as possible. We are regulated by the Financial Conduct Authority so you can rest assured that any advice we give will be based on your best interests. Get your FREE info pack

    Thousands of people across the UK have already trusted us to help them with their pension

    What our customers say...

    "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
    Common questions about pension drawdown:

    You can start the process at age 54. This can be beneficial because the time it takes to access your pension money can vary. As long as you are 55 on the day that you take money from your pension, talking to us now can ensure the money is ready when you are eligible.

    A ‘drawdown pension’ is just another term used for pension drawdown. Claim your free guide and we will send you out some more information along with the form you need to get started.

    Please note, taking pension drawdown early shouldn’t be seen as an easy way to raise money.

    Generally, the first 25% you access would be tax-free, depending on the type of pension you have. After the first 25% you take, any further withdrawals would be classed as income and taxed at your marginal rate. Depending on your circumstances, taking your pension in stages could be a more tax efficient option – we would let you know if this is the case.

    It won’t cost you a penny for us to complete an initial check of your retirement savings. We will also let you know if we think pension release is not right for you.

    A fee is payable only if you choose to proceed with our full advice and you become a client.
    Claim your free pension info pack
    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: adviseme@harbourrockcapital.co.uk
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