Pension Access
Tax treatment depends on your circumstances and is subject to change.
Pension Freedoms
Find out what you can do with your pension from age 55.
Claim your free pension info pack
Reviews widget will appear here
What are the pension freedoms?
Pension freedoms describes a 2015 change in regulations which means that as long as you have the right type of pension scheme, you have complete freedom when it comes to what you do with it from age 55. This includes the opportunity to access a tax-free cash lump sum from your pension:
  • 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
*Releasing pension money early is not right for everyone as it will leave you worse off in retirement. That’s why it makes sense to get some help. As a regulated financial adviser, we will present all the facts you need to make an informed decision. And, if you choose to release some money, we will take care of everything for you.
How do I start the process to withdraw from my pension?
Simply complete our form and we will send you out the pack you need to get started.
Please note, withdrawing 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.

    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

    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.

    Safety PadlockYour information is safe with us. Please see our privacy notice. You can unsubscribe at any time by clicking the link in our emails or by emailing adviseme@harbourrockcapital.co.uk

    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 withdrawing money from your pension:

    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.

    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.

    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 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
    © 2026 Pension Access. All right reserved.