Pension Access
Tax treatment depends on your circumstances and is subject to change.
25% tax-free lump sum pension rules
Find out if taking 25% tax-free from your pension is the right thing to do.
Claim your free pension info pack
Reviews widget will appear here
Can I take 25% of my pension tax-free?
Current pension rules mean that as long as you have the right type of pension you can withdraw as much money as you like from your pension, from age 55:
  • Up to 25% of the pension you access would be tax-free
  • After the first 25% you take, any further withdrawals would be taxed as income
  • You can access 25% tax-free from each of the pension funds you have
Tax treatment depends on your individual circumstances and may be subject to change in the future.
Claim your free pension info pack
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 process to take 25% tax-free from my pension?
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 packWhats in the pack?

    Note: We are unable to advise on the government state pension or any pension you are already taking an income from.

    Where should we send your info pack?

    Please complete your details below and we'll send your info pack in the next available post

    Find Your address

    Type in your postcode or start typing your address then select from the drop-down list

    Your address

    We'll post your information pack here

    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

    PRIVACY POLICY

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

    What our customers say...

    Common questions about withdrawing money from your pension:

    From age 55 you can take money from your pension as and when you need it. Up to 25% of the pension is tax-free. Once you have released your 25% tax-free amount from the pension, the remaining 75% is then taxable. You do not need to take the whole 25% tax-free in one go, you can take it in stages if you would prefer.

    Click the ‘Claim my free pension info pack’ button, complete your details and we will send you out some more information, along with the form you need to get started.

    Before withdrawing your pension you should speak with a specialist like us, first. This is because you could be losing some extremely valuable benefits or guarantees by accessing your pension early.

    It will leave you with a lot less to live on in retirement, which is why it makes sense to get some advice before making any final decisions. We offer a no obligation pension check.

    Generally, the first 25% you withdraw 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.

    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.

    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
    © 2025 Pension Access. All right reserved.