Pension Access
Tax treatment depends on your circumstances and is subject to change.
Can I take money from my pension?
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Releasing money from a pension
Current pension rules mean you can take money from you pension from the age of 55 as long as you have the right type of scheme. And with our help you can get the ball rolling from the age of 54:
  • Up to 25% of the pension you release 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
Pensions are complicated and there are a number of pitfalls when it comes to taking money early, such as paying too much tax or leaving yourself worse off in retirement. As a regulated specialist, Pension Access will help you avoid these pitfalls. And if you decide to go ahead and withdraw some money early, we will take care of everything for you.
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Who are Pension Access?
  • We have a 97% approvals rating on reviews.co.uk
  • Each year we help thousands of people across the UK with their pensions
  • We manage over £½ billion in pension savings for our clients
  • Everything can be sorted out from the comfort of your own home
*Taking 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 help from a regulated specialist..
How do I release my pension?
Simply complete our form and we will send you out the pack you need to get started.
Please note, releasing 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

    How it works in 3 easy steps

    With our no obligation pension check discover if pension lump sums are right for you.

    Your permission
    Complete and return a simple form giving us your permission to check your pension.
    Our boffins
    Our specialists gather and analyse all the information we need about you and your pension.
    Your decision
    We’ll send you a report, clearly stating what we think you should do. The choice is then yours.
    If you decide to release some of your savings, we can take care of everything. This includes managing your pension for you. We would let you know in writing what the fee would be. Or, you can choose to walk away with nothing to pay.
    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 releasing your pension:

    You can start the pension accessing 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 accessing 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 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.

    We can help! Complete our form and we will send you out the pack you need to get started. Please note, releasing your pension early shouldn’t be seen as an easy way to raise money.

    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 guide
    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.