Pension Access
Tax treatment depends on your circumstances and is subject to change.
What is a good pension pot at 55?
Find out if your pension is on track for the retirement you deserve.
Check your pension now
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Am I saving enough for a good pension pot?
The best place to start is having a chat with a pension specialist, like us. We can let you know exactly where you stand with your current pension including how much is in your pot right now and whether you could benefit from switching your pension provider to a better scheme. We can also let you know your pension options from age 55.

If your pension is old, poorly-managed, or a high charger then it could seriously affect how much money you have to live on later in life. That’s why it makes sense to regularly check your pension.
Check your pension now
Can you take all your pension pot at 55?
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.
Check your pension now
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 to start your pension check
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.

    Where should we send your info pack?

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

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    Keeping in touch

    By submitting this form, you are consenting to Pension Access posting your guide, emailing you updates on pension planning and phoning you to see if you have any questions.

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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 check:

    By asking us to check your pension, you will find out:

    – What you pension is worth
    – If there is a better pension scheme out there for you with lower charges
    – If your pension investments could be improved to get a higher return
    – Your pension options from 55, including your tax-free cash allowance

    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.
    Check your pension now
    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
    © 2026 Pension Access. All right reserved.