Pension Access
Tax treatment depends on your circumstances and is subject to change.
Can I cash in my pension?
Find out if cashing in your pension early is the right thing to do.
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Can I cash in my pension early?
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 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 cash in my pension?
Simply complete our form and we will send you out the pack you need to get started.
Please note, cashing in 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.

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

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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.

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

    What our customers say...

    Common questions about cashing in 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.

    Before you cash in 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, or you could end up taking too much, pushing you into a higher tax bracket (meaning you end up paying a large sum to the tax man). 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 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.

    Yes. As long as you have the right type of pension, from age 55 you should be able to cash out a pension you started with an old employer. Click the ‘Claim my free pack’ button at the top of this page, complete your details and we will send you the form you need to get started.

    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
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